Expert hints
and tips
Catch up on the latest insights from Rate Money — your self-employed home loan specialists.
Latest Articles


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 …




Commercial Property Loans Explained
Commercial property may be a powerful way to build long-term wealth, generate income, and diversify your investment portfolio. But before you get star…
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Should you refinance to consolidate debt?
If you’re managing multiple repayments such as credit cards and personal loans, it’s natural to look for ways to simplify your finances. Many Australi…
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Understanding mortgage interest rates in Australia
When buying a home or refinancing, one of the first things many Australians want to know is the current mortgage interest rates. Understanding how the…

How to invest in property using your SMSF
Investing in property through your super is a strategy more Australians are exploring as they look to take greater control of their retirement outcome…
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5 Smart Ways To Improve Home Equity Faster
Building wealth through property starts with understanding how to build home equity effectively. For many Australian homeowners, especially self-emplo…
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Offset vs redraw: which saves you more?
When it comes to paying off your home loan faster, two of the most common features Australians compare are an offset account and a redraw facility. Bo…

Tips for Getting a Mortgage When You’re Self-Employed
Getting a home loan can feel more complicated when you’re self-employed, especially if income varies from year to year.

What Is an Alt Doc Home Loan (and Who Qualifies)?
If you’re self-employed, a tradie, contractor, or small business owner, you’ve probably asked yourself: what is an Alt doc loan?
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How to navigate the end of your fixed-rate home loan
Navigating the end of a fixed-rate mortgage can feel uncertain. As your loan transitions to a variable rate or a new fixed term, your repayments may c…

How to Refinance Your Home Loan
How to Refinance Your Home Loan If you’re considering refinancing, you are not alone. Rising interest rates, changing loan terms, and fluctuations in …