Refinance an Existing Loan

With interest rates so low at the moment, it’s no surprise that just about everyone is looking at their home loans and investment loans to see if they can do better. And if you’re Self-Employed, there’s no better place to look than right here at Rate Money – a home for the Self-Employed.

ALL your income is considered 

If you’re Self-Employed, Rate Money is the perfect place to refinance all your existing loans. Because unlike the ‘4 big boys’ we consider ALL your income from a business point of view. This includes but isn’t limited to:

  • Depreciation
  • Deductible interest
  • Extra super payments
  • Bonuses
  • Commission
  • Overtime
  • Rentals

The lot. Because the better your income looks to our funders, the better the deal we can offer you.

Unlimited Cash Out 

When you’re refinancing with Rate Money, you can take out as much existing equity as you like from your current house or investment property. You’re free to then use that cash for renovations, a holiday (well needed, we’re sure), kids’ school fees or any other manner of things.


Refinance an Unlimited Amount of Personal Debt 

When you refinance with us, you’re welcome to add in all your high-interest personal loans and pay them off through your new Rate Money low-interest home loan. This can save you an absolute fortune.

“Rate Money has been an absolute godsend. Whether it be during work hours or after, our Rate Money loan manager (Matt) always made himself available. And even when we encountered unforeseen circumstances, their never-give-up attitude and true passion helped smooth out everything.”

Michael Aschmoneit