Rate Money, Australia’s leading specialist in self-employed home loan solutions, has today announced the expansion of its award-winning products and services into the commercial property lending sector. This strategic move aims to tap into the non-bank commercial lending market.
Rate Money CEO Ryan Gair said, “Our primary focus has always been on empowering self-employed borrowers with flexible and competitive residential home loan solutions. However, we recognise a significant opportunity to further support our franchisees, customers and referral partners by providing access to commercial property lending options that align with broader financial needs of the self-employed.”
Rate Money’s commercial loan products are designed to cater to a diverse range of borrower needs, including Alt and Full Doc loans up to $8 million, off-the-plan purchases, vacant land, and cash-out options. SMSF borrowers are also supported. All products offer competitive rates, no ongoing fees, no clawbacks, and no annual reviews or revaluation requirements, providing the flexibility and transparency that self-employed borrowers value.
At the end of last year, the value of Australian commercial loans written by mortgage brokers grew by more than 23% to $91 billion *, while SMSF ownership in commercial property grew to $108 billion **.
“We are seeing real appetite from accountants, real estate agents, developers, mortgage brokers, and direct self-employed customers who are actively seeking alternative investment opportunities and wealth-building strategies. By expanding into commercial loans, we are positioning ourselves to meet this increasing demand with tailored solutions,” said Mr Gair.
“To support this expansion, we have refined our servicing model and bolstered our team with key appointments, including a National Business Development Manager and a Commercial Lending Manager. These additions are designed to drive innovation and provide enhanced support to our franchisees, referral partners, and customers.”
The opportunity will provide franchisees with a significant advantage, enabling them to diversify their service offerings and attract a broader client base. By incorporating commercial property lending solutions, franchisees can retain more customers, strengthen existing referral relationships, and create new opportunities for business growth.
“We are committed to equipping our franchisees with the tools and expertise needed to succeed in today’s dynamic lending environment. By adding commercial property loans to our portfolio, we’re ensuring they have the ability to service a wider range of customer needs while enhancing long-term referral partner relationships,” added Mr Gair.
* MFAA. 2024. Industry Intelligence Service 18th Edition. Accessed on 26 February 2025.
** ATO. 2024. Self-managed super fund quarterly statistical report – September 2024. Accessed on 26 February 2025.
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