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Rate Money,
Geelong 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.

Branch Principal

 

Ranjeet Singh

“Backing Australia's self-employed with tailored home loan solutions getting to ‘yes’ with less stress.”

Phone: 0455 954 920

Latest news

Applying for a Home Loan? Here's Why You Should Check Your Credit Score First
A male and female couple checking credit score

Applying for a Home Loan? Here's Why You Should Check Your Credit Score First

If you're thinking about buying a home, refinancing, or investing, you're probably focused on things like saving a deposit, comparing interest rates, …

18 August 2026
What Is An Alt Doc Home Loan?
What is an alt doc home loan

What Is An Alt Doc Home Loan?

What Is an Alt Doc Home Loan (and Who Qualifies)?

22 June 2026
What Your Credit Score Means For A Mortgage
What Your Credit Score means for a Mortgage

What Your Credit Score Means For A Mortgage

When you’re thinking about buying a home or refinancing, your credit score plays an important role. It influences how lenders assess your application …

15 June 2026
Property Market Update | August 2026
Property Market Update August 26

Property Market Update | August 2026

Australia’s Housing Market Downturn Broadens Australia’s housing market weakened further in July, with the national dwelling values declining 0.7%, th…

14 August 2026
Rate Money Masters 2026 | Celebrating Excellence in Darwin
Small Banner - Darwin

Rate Money Masters 2026 | Celebrating Excellence in Darwin

Introducing the Rate Money Masters 2026 Every year, the Masters Conference recognises those who consistently perform at the top of their game and achi…

31 July 2026
Property Market Update - July 2026
Image_Property_Aerial_1

Property Market Update - July 2026

Sydney Enters a Buyer-Friendly Market Australia's housing market softened further through June as affordability pressures, higher interest rates and w…

17 July 2026
Franchisee In The Spotlight | Mike O'Malley
Full Doc Loans (2)-1

Franchisee In The Spotlight | Mike O'Malley

We are so pleased to announce our newest monthly series, Franchisee in the Spotlight.

14 August 2026
Rate Money To Shake Up Commercial Property Lending Market | Rate Money
Experienced financial advisory team from Rate Money.

Rate Money To Shake Up Commercial Property Lending Market | Rate Money

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
Proud To Be Recognised As A Top Place To Work | Rate Money
Rate Money CEO Ryan Gair with the Insync Best Employer 2025 Award.

Proud To Be Recognised As A Top Place To Work | Rate Money

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

Geelong Branch

Suite 8, Level 1, 23-31 Gheringhap Street Geelong VIC 3220

Rate Money,
Geelong

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.

Enquire Now

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.

...and do the right thing, always!