Home Loans

Finding the right home loan shouldn't
feel like navigating a site plan.

Get a home loan that works for your lifestyle,
with flexible options and personal support at every step.

Self-Employed Home Loan Solutions

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Flexibility for real-life
situations

Alternative income verification to
suit self-employed
borrowers

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Complex loan
scenarios

Assistance with loans to reflect how you actually work:
from alt doc to full doc

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Expert
Support

With 40+ locally owned branches, we understand the needs of self-employed borrowers

Home Loan Options That Work for You

We understand that everyone's situation is different, particularly for the self-employed.
 

Purchasing & Investing

Purchasing & Investing

Personal Refinancing

Personal Refinancing

Alt Doc
Loan

Alt Doc
Loan

Commercial Loan

Commercial Loan

Construction Loans

Construction Loans

SMSF
Loans

SMSF
Loans

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Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.
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Why Choose Rate Money?

Lightening Bolt

Get Approval

Once documentation is received and submitted for assessment and verification*

Sun

No Upfront Fees

Transparent home loan options with no risk, valuation or application fees*

Support

Guided process

Support through each step of your home loan application

Your Loan Options

Flexible solutions designed for your specific needs.

Use our calculators to estimate your loan repayments and stamp duty

Loan Repayments

customers (6)
Calculate your monthly repayments based on loan amount, interest rate and term.

Stamp Duty

customers (4)
Calculate your total government fees based on your particular circumstances.

Simple 3-Step Process

1

Talk to an expert Lending Manager

We take out the hard work

2

Personalized home loan solution

We provide a solution personalized to your needs

3

Move with
confidence

We'll guide you every step to settlement

Alt-Doc/Low-Doc Guides & Resources

Understanding Home Loan Pre-Approvals for Buyers
Insights

Understanding Home Loan Pre-Approvals for Buyers

For many self-employed Australians, tradies, and small business owners across NSW, VIC, and QLD, buying a home can feel overwhelming. One tool that ca…

23 January 2026
What Your Credit Score Means for Getting a Mortgage
Home Loan Hints

What Your Credit Score Means for Getting a Mortgage

What Your Credit Score Means for Getting a Mortgage If you’re self-employed, a tradie, or a small business owner in Frankston, your credit score plays…

Jan 21, 2026 3:14:37 PM
Should You Refinance to Consolidate Debt?
Home Loan Hints

Should You Refinance to Consolidate Debt?

Should You Refinance to Consolidate Debt? If you’re a homeowner in Logan, Queensland juggling multiple debts such as credit cards, personal loans, or …

Jan 21, 2026 3:16:35 PM

Trusted by Self-employed Australians

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'The ongoing communication and support from start to finish makes a big life decision all that less stressful.. '
Ashley Ryan
Customer of
Rate Money Southern Highlands
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'The team kept us informed the entire time and made sure everything went smoothly.'
Margaret Tawah Andrews Vah
Customer of
Rate Money Melton
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'...incredibly professional, attentive, and dedicated to helping me find the best mortgage options.'
Vincent Ryan
Customer of
Rate Money Ryde
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'Transformed a typically challenging and stressful process into a seamless experience...I wholeheartedly recommend their services.'
Nathan Kinnear
Customer of
Rate Money Logan
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'…attention to every detail.  Great support in making Self Employed lending a breeze.'
Tamsyn Rose
Customer of
Rate Money Sydney City
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'As a self-employed business owner, finding a lender that truly understands my situation was a game-changer.'
Krupa Chinnasani
Customer of
Rate Money The Hills
customers

15,000+

Self-employed customers found home loans that work for them.
customers (1)

40+

Branches across Australia, and growing.
customers (2)

2025

MFAA Excellent Awards: National Winner.

Ready to Move Forward With Your Home Loan?

Schedule a call with a Lending Manager today - a self-employed home loan expert who can help with your unique situation.

Self-employed home loan expert

Talk to our specialist Lending Manager

Fast Response

Get a call back today

Request a call back

Still Have 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.

Ready to Get Started?

Our Lending Managers are specialists in self-employed home loans and are ready to help find a home loan solution for your unique situation today.
Talk to a Lending Manager Find a Branch

*Disclaimer

*Interest rates, fees, and charges are subject to change without notice and depend on individual credit assessment criteria and loan to value (LVR) ratio, terms and conditions apply. Comparison rates are calculated and based on a $150,000 AUD loan over a term of 25 years for illustrative purposes and may not include all fees and charges. This information is general in nature and does not take into account, your objectives, financial situation, or needs. Rate Money acts as a mortgage manager and loans are subject to lender approval and criteria.

* Terms & conditions apply.