I highly recommend Rate Money. Dayna was amazing. From beginning to end it was a smooth transition from one lender to another. Dayna's experience and professionalism ensured a seamless transition and her communication via phone and email kept me in the loop almost in real time. If your thinking about purchasing or refinancing, I cannot speak more highly of Rate Money Frankston. Thankyou Dayna for your help, assurance through the whole process and amazing service.
Rate Money,
Frankston Branch
Our Story… so far
Founded in 2019 by a team of mortgage professionals, Rate Money was created to address a critical gap in the lending industry. With a unique focus on self-employed borrowers, Rate Money offers tailored home loan solutions to meet the specific needs of this often underserved segment, making it a valuable resource for those seeking financing.
As the first lender to eliminate unfair fees on most products, Rate Money has disrupted the industry, prioritising fairness and accessibility. This innovation has earned numerous awards, highlighting Rate Money’s commitment to positive change in the mortgage landscape, benefiting both Rate Money's franchisees and borrowers alike.
What We Do
After nearly 30 years in the mortgage industry, and as a self-employed business owner, Geoff Rees knows firsthand the financial challenges small business owners face when trying to secure a home loan. Geoff and his team are passionate about helping self-employed Aussies find the perfect loan solution.
Alt-doc to full-doc; new home purchase or refinancing — the team at Rate Money Frankston take enormous pride in the wide range of innovative and competitive loan solutions they provide to their self-employed clients and have made it their business to help as many hard-working self-employed Australians as possible achieve and surpass their financial goals.

Geoff Rees
“We understand how hard it can be to secure finance when you don’t fit the traditional mould. Come in and see how we can help you achieve your financial goals. The coffee is on us!”
Frankston Branch
485 Nepean Highway, Frankston VIC 3199
We are Self-Employed and required a professional person, who understood our "vision" and requirements. After speaking with many other potential lenders we chose Geoff Rees at Rate Money Frankston due to his FIRST CLASS Customer Service and other relative yet very important attributes. Geoff's unsurpassed professionalism, industry knowledge and great positive attitude was priceless. Geoff continually and without hesitation, went above and beyond. We/I cannot recommend him enough and will utilise his services and expert experience in the future. The BEST compliment I can provide is a Very HIGH recommendation of Geoff Rees at Rate Money Frankston to others, including family and friends. This was a very easy review to leave! THANKS GEOFF!
Geoff Rees helped with our most recent purchase, he was professional, informative and a pleasure to deal with every step of the way. We would highly recommend him to anybody looking to purchase or refinance.
Geoff at Frankston was outstanding. Above and beyond to get it done. Can't thank Geoff and the team enough.
Geoffrey Rees of Rate Money in Frankston has to be the best mortgage broker ever. I say this after 35 years of attaining loans. As we know, lending money isn't just about the commitment & understanding legal jargon—it's also part of our livelihood & lifestyle. Geoff Rees goes above & beyond when he looks after his clients. He truly cares for your overall well-being & guides you to the best possible outcome always. I'll say this again—no broker is better than Geoff. Thanks Geoff & Rate Money for truly taking care of us. Y'all rock! Zsuzsa & Robin
Rate Money's Geoff Rees is an exceptional mortgage broker who helped me secure, and later refinance, my first home loan. With years in the business, he is well-versed in ensuring a seamless process when obtaining the best possible deal to suit his client's diverse needs. Geoff is known for his unwavering tenacity and ability to build trusting, valuable rapport with his clients. For Geoff, each mortgage application is more than a transaction; it's the start of a lifelong business relationship.
Geoff Rees from Rate Money was refreshing to work with when I chose to refinance my mortgage. So hard to find incredible service with a motivated business owner. I was referred to Geoff by a mutual business associate who told me I was crazy not refinancing my loan. I initially felt that it was all going to be too challenging with relevant documents that none of us like to dedicate hours to put together. Geoff made everything super smooth & easy. I have now recommended Rate Money to a few of my friends.
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Rate Money,
Frankston
Since 2019, we’ve made it simpler for Australia’s 2 million self-employed to get access to Australia’s property market to realise the dreams that they deserve.
Ready to apply for a loan? Just want a friendly chat? We’d love to hear from you.
Why Rate Money?
We’re driven by three core values that guide everything we do:
Grit
Where resilience and tenacity empower us to surpass limitations and achieve remarkable success.
Evolve
As we celebrate change and innovation, we continuously seek new ideas, technologies, and processes to stay ahead.
One Team
Every individual plays a crucial role in our shared mission to become the leading self-employed home loan provider.