Looking for a loan?

We’ve got you covered.

We’re committed to empowering self-employed Australians with tailored home loan solutions, free from unnecessary fees.  With award-winning expertise and industry-leading Alt and Full Doc options, we simplify the home loan process, offering options to suit your unique financial situation.

We say ‘yes’ with less stress

We're dedicated to supporting Australia's self-employed with tailored home loan solutions that put you first.  With no unnecessary fees and a wide range of Alt and Full Doc loan options, we make the complex simple.  Our award-winning expertise and commitment to eliminating unnecessary fees—like LMI, application, and valuation fees—set us apart.  Whether you’re purchasing or refinancing, we understand the challenges you face and provide the support you need to grow.

Ready to buy? 

Want to purchase, build or invest in a property?

Our extensive range of loan solutions are specifically tailored to help self-employed Aussies buy the property of their dreams.

I want to buy

Ready to refinance?

Looking to consolidate high-interest debts? Turn some of your home’s value into cash? Or just want to secure a more competitive loan?

We have flexible refinancing options tailored to your unique financial needs.

I want to refinance

Get a handle on your finances and make your next move with confidence

CALCULATE YOUR BORROWING POWER
"As a self-employed individual, getting my first home loan felt complex and challenging with the bank. A friend recommended Rate Money, and it was life changing. They understood my situation, guided me through the process, and didn’t charge a risk fee, saving me $15,000. The experience was so seamless that I've since purchased another property through them."
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Rate Money

Customer

"When we decided to refinance our home loan for renovations and a workshop for our landscaping business, we faced obstacles with our existing lender. Rate Money changed everything. They specialise in helping self-employed Australians and accepted our income declaration with an Accountant Letter as proof. Thanks to them, we completed the renovations, increased our home’s value, and boosted our business. We highly recommend Rate Money for their support when other providers fall short."
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Rate Money

Customer

Our Branches

With 38 branches (and more to come) Australia’s self-employed loan experts are never too far away. 

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Why Choose Rate Money?

Tailored Solutions

We offer a wide range of loan options to suit your specific needs.

No Unnecessary Fees

Save money with no risk, LMI, application, or valuation fees on most products.*

Fast Approvals

Get to ‘yes’ faster with our efficient conditional and formal approvals.

Competitive Rates

We rank in Australia’s top 5 institutions for competitive interest rates.

Self-Employed Experts

With 38 self-employed franchisees, we truly understand your business needs.

* Terms & conditions apply.

We say ‘yes’
with less stress

We're dedicated to supporting Australia's self-employed with tailored home loan solutions that put you first. With no unnecessary fees and a wide range of Alt and Full Doc loan options, we make the complex simple. 

Our award-winning expertise and commitment to eliminating unnecessary fees—like LMI, application, and valuation fees—set us apart.  Whether you’re purchasing or refinancing, we understand the challenges you face and provide the support you need to grow.

Join thousands of self-employed Australians who trust Rate Money to help them grow.  Experience the benefits of expert knowledge, tailored options, and stress-free approvals today!

Our Branch Locations

Resources & Insights

Rate Money to Boost Training in 2025
Rate-Money-Credit-Training
Rate Money News

Rate Money to Boost Training in 2025

Self-employed home loan specialist Rate Money is set to expand its franchisee learning programs in 2025. The company plans to introduce a new credit t…

13 December 2024
Is renting and investing smarter than buying a home in Australia?
Home Loan Hints

Is renting and investing smarter than buying a home in Australia?

Two of the most common questions I get asked are, “When is the perfect time to buy—during a market crash or when it cools off?” and “Do I buy to live …

29 October 2024
Ella Phillips, Branch Principal Parramatta
About Rate Money

Ella Phillips, Branch Principal Parramatta

Ella Phillips, Co-Owner of Rate Money Parramatta, began her journey to Rate Money in an unexpected place—a coffee shop. In 2017, while considering a r…

23 October 2024