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Rate Money,
Sydney City Branch

Our Story… so far

Founded in 2019 by a team of mortgage professionals, Rate Money was created to address a critical gap in the lending industry. With a unique focus on self-employed borrowers, Rate Money offers tailored home loan solutions to meet the specific needs of this often underserved segment, making it a valuable resource for those seeking financing.

As the first lender to eliminate unfair fees on most products, Rate Money has disrupted the industry, prioritising fairness and accessibility. This innovation has earned numerous awards, highlighting Rate Money’s commitment to positive change in the mortgage landscape, benefiting both Rate Money's franchisees and borrowers alike.

Rate_Money_Michael_O’Malley

Branch Principal

Michael O’Malley

“Backing Australia's self-employed with tailored home loan solutions getting to ‘yes’ with less stress.”

PHONE 02 8880 9388

Sydney City Branch

Level 1, 8 Cuthbert Street, Sydney NSW 2000

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
Franchisee In The Spotlight | Mike O'Malley
Full Doc Loans (2)-1
Rate Money News

Franchisee In The Spotlight | Mike O'Malley

We are so pleased to announce our newest monthly series, Franchisee in the Spotlight.

14 August 2026
Property Market Update | August 2026
Property Market Update August 26
Insights

Property Market Update | August 2026

Australia’s Housing Market Downturn Broadens Australia’s housing market weakened further in July, with the national dwelling values declining 0.7%, th…

14 August 2026

Rate Money,
Sydney City

Since 2019, we’ve made it simpler for Australia’s 2 million self-employed to get access to Australia’s property market to realise the dreams that they deserve. 

Ready to apply for a loan? Just want a friendly chat? We’d love to hear from you.

Enquire Now

Why Rate Money?

We’re driven by three core values that guide everything we do:

Grit

Where resilience and tenacity empower us to surpass limitations and achieve remarkable success.

Evolve

As we celebrate change and innovation, we continuously seek new ideas, technologies, and processes to stay ahead.

One Team

Every individual plays a crucial role in our shared mission to become the leading self-employed home loan provider.

...and do the right thing, always!