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Become a
Referral Partner

Tap into Potential with Rate Money’s
Referral Partner Program.

The self-employed and small-business-owner home loan market is very specialised. But it’s also very lucrative. Every time you have to say ‘No’ to a self-employed or small-business-owner client, you let go of a great opportunity to earn revenue and build a valuable, long-term relationship. Join the Rate Money Referral Partner Program and we’ll give you 100 ways of turning ‘No’ into ‘Let’s Go!’

Empowering you.
To give more borrowing power to them.

Through our Referral Partner Program, we enable you to empower your clients with an extensive range of full doc and alt doc loan products. Each one designed for the complex lending scenarios your self-employed and small-business-owner clients often find themselves in. These tailored products are delivered through a streamlined application process that makes it quick and easy to secure the home loan and refinancing solutions your clients need.

Residential Loans

Alt Doc Solutions

checkbox-accent Up to $12.5 million exposure
checkbox-accent Construction & off-the-plan
checkbox-accent No App fee, No Val fee, No Risk Fee
checkbox-accent Unlimited debt & tax debt consolidation
checkbox-accent Unlimited cashout

Alt Doc Niches

Full Doc Solutions

checkbox-accent Up to $17.5 million exposure
checkbox-accent 1-year tax return & NOA/Accountant letter
checkbox-accent 40-year loan terms
checkbox-accent Up to 95% rental income used

Full Doc Niches

Commercial Loans

Alt Doc Solutions

checkbox-accent Loan sizes up to $6 million
checkbox-accent Off the plan 
checkbox-accent Vacant Land
checkbox-accent No ongoing fees 
checkbox-accent No clawbacks
checkbox-accent No annual reviews or revaluations

Alt Doc Niches

Full Doc Solutions

checkbox-accent Loan sizes up to $8 million
checkbox-accent Off the plan
checkbox-accent No ongoing fees
checkbox-accent No clawbacks
checkbox-accent No annual reviews or revaluations

Full Doc Niches

The Rate Money Advantage

* Terms & conditions apply.

Claim your piece of a
$1 trillion market

Since 2019 we’ve settled over $10 billion in home loans to more than 15,000+ self-employed Aussies. More than half of that growth has come in the past two years.

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Our franchise network is currently tapping into a $1 trillion pipeline of opportunity as they look to help more than 2 million self-employed Australians secure the loans they need.

Rate Money’s Referral Partner program enables you to tap into this lucrative market and leverage our team’s expertise.  And reast assured, there’ll never be a fee claw back from us! Once a fee is paid, it’s yours for keeps.

"Their innovative solutions have allowed us to offer our clients a truly seamless loan experience, giving us a competitive edge in the market. The collaboration has been exceptional, and it’s clear that Rate Money is committed to helping us succeed."
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Rate Money

Referral Partner

We’ve made it easy to become a
Rate Money Referral Partner

In just a few simple steps we’ll have you well on your way to tapping into the potential of this growing market.

Step 1

Complete our Referral Partner Agreement 

After we receive your enquiry form, you’ll receive a Rate Money Referral pack, which includes a Referral Partner Agreement for you to fill out with the help of your local branch (see step 2).

Step 1
Step 2

Franchisee Introduction 

Arrange a meeting with your local franchisee to finalise the Rate Money referral partner agreement and address any questions you may have.

Step 2
Step 3

Identify Potential Clients 

Pinpoint current self-employed clients who might be interested in purchasing, refinancing, or investing in a property.

Step 3
Step 4

Initiate Referrals 

Introduce your client to your Rate Money franchisee, or alternatively provide your client’s details and Rate Money will contact them directly.

Step 4
Step 5

Track Referrals

We will keep you updated on your client’s progress throughout the application process.

Step 5
Step 6

Receive Payment 

Upon settlement of a home loan by a referred client, you will receive your deserved remuneration.
Step 6

Our Network

When you join Rate Money as a Referral Partner, you’re joining a network of 40 branches (with more to come) filled with Australia’s self-employed loan experts. 

FIND A BRANCH
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Tap into our Referral Partner Program

If you want: 
  • Access to a wide range of full-doc and alt-doc loans designed for self-employed borrowers.
  • A high conversion rate
  • More streamlined approvals process
  • More flexibility and freedom, with full transparency
  • More focus on your clients’ unique circumstances
  • To always feel valued as a partner

Become a Rate Money Referral Partner today!

News for our
Referral Partners

Catch up on the latest, most relevant news for our Referral Partners.

Rate Money to shake up commercial property lending market
Rate Money News

Rate Money to shake up commercial property lending market

Rate Money, Australia’s leading specialist in self-employed home loan solutions, has today announced the expansion of its award-winning products and s…

20 March 2025
Rate Money celebrates $10 billion in loans milestone
Media Release

Rate Money celebrates $10 billion in loans milestone

Rate Money, Australia’s home for the self-employed, proudly announces it has surpassed $10 billion in loans written since its launch in 2019. This rem…

14 March 2025
Proud to be Recognised as a Top Place to Work!
Rate Money News

Proud to be Recognised as a Top Place to Work!

At Rate Money, we’ve always known that our team is the true heart of our business, and now we’ve got the recognition to prove it! We’re beyond thrille…

14 February 2025