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 loan options, we make the complex simple.

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!

Get In Touch

Other Ways To Reach Us

Call Us

Speak with a loan specialist

1300 936 668

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Email Us

Get a response within 24 hours

customerservice@ratemoney.com.au

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Visit a Branch

40 branches across Australia

Find your nearest branch

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Why Choose Rate Money?

We're not just another lender. We're specialists in helping Australians achieve their property goals with tailored solutions and genuine support.

webiste tick Expert advice for self-employed borrowers
webiste tick No unnecessary fees or hidden costs
webiste tick Fast approvals - often within 24-48 hours
webiste tick Tailored loan solutions for your situation
webiste tick 5Award-winning service and support

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Office Hours

Monday - Friday: 9:00am - 5:00pm

Saturday: 10:00am - 2:00pm

Sunday: Closed

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Phone Support

Available during office hours

1300 936 668

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Email Support

Response within 24 hours

Sunday: Closed

Frequently Asked Questions

Do I qualify if I am a sole trader, or short term self-employed?

Yes absolutely, we specialise in lending to the self-employed and can accept alternative documentation like BAS statements, business account statements, or an accountant’s declaration instead of tax returns. We even offer specific loan strategies for businesses with ABNs as young as 12 months.

How fast is the approval process?

We pride ourselves on speed and efficiency, with approvals often achieved within just 24 to 48 hours once we have your documents.

Will my interest rate or fees be higher?

While our rates are competitive for specialist lending, we actively beat competitors on upfront costs by charging no application fees, no valuation fees, and no risk fees on many of our products.

Ready to Get Started?

Let's discuss your home loan needs. Our expert team is ready to help you achieve your property goals.

Our Branch Locations