Helping You Find Solutions in a Tighter Lending Market

27 August 2026

As lending conditions continue to evolve, we're seeing more clients who don't quite fit traditional bank policy, not because they're unsuitable borrowers, but because the market has become more conservative.

At Rate Money, our focus is simple: help you find a solution before your client hears "no".

Whether it's a self-employed borrower, an investor, a client needing to consolidate debt, someone with a complex income structure or a borrower requiring a little more flexibility, our team is here to work with you to explore options that may not be available through the major banks.

How Rate Money Can Help

We specialise in lending solutions including:

Alt-doc & self-employed solutions
SME & commercial lending
Construction finance (full & alt doc verification considered)
Vacant land lending
SMSF lending
Debt consolidation (including ATO & business debts)
Cash out for renovations, investment or business purposes
Company & trust borrowers
Specialist lending for clients outside standard bank policy
Complex income and non-standard borrower scenarios
Credit-impaired and near-prime lending solutions
3-month ABN lending for newly established businesses

Your Clients Deserve More Than One Option

In today's market, the right outcome often comes from looking beyond a single lender.

Our team works with a broad panel of specialist and prime funders to structure solutions that align with your client's circumstances while providing guidance throughout the entire process.

Why More Professionals Are Referring Clients to Rate Money

If you have a client who has been declined elsewhere, falls outside standard lending policy, or you're simply unsure where they fit, send the scenario through to our team.

We'll review it with you, discuss the available options and work together to achieve the best possible outcome for your client.

Because in today's lending environment, the right partner can make all the difference.

Become a Referrer

Partner with Rate Money and gain access to experienced lending specialists, flexible funding solutions and a team committed to finding pathways forward for your clients.

Learn more about becoming a referrer, here.

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