WHO WE HELP

SELF EMPLOYED

Running your own business can be deeply satisfying, but it doesn’t come without hard work and in some cases extra hassle.

Rate Money takes the trouble out of applying for a loan through our easy low doc loans with no risk fees and no lenders mortgage insurance, or our full doc loans using your company profit (but none of your liabilities) for a better interest rate. Whether for a new home, working capital or something for yourself, Rate Money are here to help.

SMSF

Self-Managed Super Funds (SMSF) can be complex, and in turn make borrowing in them even harder.

Rate Money understands the industry’s legal and reporting requirements and can provide a range of loan products to suit your needs. Unlock the true investment potential of your SMSF through a Rate Money finance solution.

TAX DEBT

At Rate Money we understand that as a self-employed individual, completing a tax return can be complex and time-consuming.

Your return may not be done on time or unforseen circumstance can happen that lead to a Tax Debt.

Thankfully, whereas most lenders will not approve a loan to refinance your tax debt, we offer the option of being able to consolidate your debts into one easy to manage repayment, giving you back the freedom to focus on your business.

If you already own real estate speak to one of our Relationship managers about combining your tax debt and your home loan today.

OFF THE PLAN

Lock in your next property purchase today with Rate Money.

If you’re looking to buy a residential property off the plan, Rate Money has the perfect finance solution for you with lending up to 60% of the property value or purchase price through our easy low doc loans with no risk fees and no lenders mortgage insurance, with further options for you if you are able to provide further income documents.

CONSTRUCTION

Financing for construction can be complicated, but not with Rate Money.

We can help you borrow up to 90% of the value of the land plus the cost of construction through our range of self-employed home loan solutions. Building your next project has never easier with Rate Money.

RATE MONEY PRODUCTS

Hot Money

Allows greater credit flexibility for the self-employed. This includes unlimited cash out to 80% of a property value (stated purpose only) and only one year’s ABN/trading history.

Think Money

Think Money provides financing up to 80% of a property value or purchase price – without a risk fee or mortgage insurance. Rates vary depending on LVR, loan purpose and product type and your income can be easily verified through an Accountant’s Declaration or Business Activity Statements.

House Money

House Money offers a range of self-employed loans for people who can provide further proof of their income (such as tax returns from the last financial year) and even exclude your company debts from servicing.