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Ready to Buy?

Residential Loans

Discover the Rate Money Advantage.

Ready to buy a new family home?

Buying a new home can be challenging, but we’ve made financing simpler, easier, and more flexible for self-employed Aussies—even if the big banks have turned you down!

With borrowing capacity up to $5 million and loans available with deposits as low as 2%, our self-employed loan experts are here to help you unlock the potential of your income and find the perfect solution to make your dream home a reality.

The Rate Money Advantage for

Home Buyers

  • Flexible Alt Doc and Full Doc loan options for self-employed buyers
  • No risk, application or valuation fees
  • Expert support tailored to your financial goals
  • Loans up to 98% LVR
  • Competitive, market-leading interest rates 

From simplified paperwork to fast approvals, we’ll guide you every step of the way.

Live your dream — get in touch today. 

Enquire Now

Get a handle on your finances and make your next move with confidence

CALCULATE YOUR REPAYMENTS

Our Branches

With 40 branches (and more to come), Australia’s self-employed loan experts are never too far away. 

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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
Home Loan Hints

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
Insights

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
Insights

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