We believe in heroes

Powerful refinancing solutions for self-employed clients

Build a better future with Elevate Construction

An Alt Doc construction loan for the
self-employed, offering market leading flexibility and competitive terms

Providing home loans, service and respect that Self-Employed Australians truly deserve.

Rate Money's awards from 2021 and 2022 from RFI Group, Australian Group, MFAA and Australian Mortgage Awards

Why Rate Money?


Wide range of home loans

At Rate Money we offer, Residential, Commercial, NDIS, SMSF and many more property finance solutions for the self-employed.

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No risk fees and no LMI

At Rate Money we don’t consider you a risk, that’s why we don’t have any risk fees.

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Local branch network

Our Home Loan Providers are all self-employed and understand the complexity of owning your own business.

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Partners for your loan’s lifetime

At Rate Money the deal is not done at settlement, our Home Loan experts will be by your side for the life of your loan.

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Self-Employed people we've helped so far.

$8 Billion+

Total amount of money we’ve lent to fund the dreams of Self-Employed Australians.

Local Rate Money Branches.

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Stamp Duty Calculator 2022- 2023

Who/what on earth is Rate Money?

Fair question. We are the new kids on the block who are determined to make home loans (and all other property loans) far easier and much fairer for Australia’s Self-Employed. ‘New kids’ because we’ve only been going since 2019, but we’re proud to say we’ve already helped over 8,000 people achieve their dreams by gaining them a combined total of over $8 billion worth of finance. Not bad, hey?

Whatever you’d like to buy, we’re more than happy to help you buy it.

Maybe you’re looking to purchase a new home. Refinance your existing one. Or perhaps you want to expand your property portfolio. To us – it doesn’t matter. Because whatever property you’re interested in – we’re interested in helping you get it. 

A New Family Home

We absolutely love helping Self-Employed people achieve the great Australian dream. Be it their first home or upgrading to a bigger one, this is how we meet most of our new customers.

Refinance an Existing Loan

If you’re Self-Employed and have a loan with another lender, you know as well as we do that you’re probably getting ripped off. So together, let’s start putting an end to that today.

NDIS Housing Loans

By investing in Specialist Disability Accommodation, you’re helping provide a comfortable home to someone with a disability, plus helping yourself to rents that are well above average.


While many lenders have started baulking at these type of property investments, we certainly haven’t. We’ll gladly help you get the money you need for the investment property you want.

Commercial Property

This is a sector that also interests many Self-Employed people. So, of course, we’re happy to help. We can even help you invest in your own premises.

Vacant Land

If buying your own patch of Australia is your dream, then we’ll help you finance it. While the big lenders struggle to get their head around vacant land, it’s no problem for the team at Rate Money.

Small Apartments (too small for the big banks)

It’s a growing sector. So we’re happy to help you buy into it. Small flats, tiny houses, cosy condos. It’s not our place to judge your place. But it is our place to help you finance it. And we love doing just that.

Construction (House & Land Packages)

We believe in a fair playing field. So while other lenders continue to make it hard for the Self-Employed to build a brand new home (or investment property) at Rate Money we changed the rules.

Property via Self Managed Super Fund

For our Self-Employed customers, nothing is ever placed in the ‘too hard basket’. (We don’t even have one.) So if you’d like to buy property through your SMSF, let’s start talking.

 High-density Suburbs

We are in the business of helping you buy property. So, unlike the big guys, we will never shy away from your opportunities in high-density developments or suburbs.

If you can see it above – we can help you finance it. And if it’s not here – we’ve never been scared of a challenge. So call us.

“Now all settled into my new house and enjoying the weather. Thanks to Ryan Gair and the team at Rate Money for making my own finances go through so smoothly. Amazing stuff!”

Dien Le

Founder, Finance & Coffee

“My experience with Rate Money was incredible. As a first home buyer who didn’t grow up in Australia, I really needed help navigating the property and mortgage landscape. A lot of businesses say that they go over and above and that they are on your side, but this is marketing fluff. With Rate Money, this is exactly what I experienced, plus much more. Thank you for helping me to own my dream home and making the journey so easy!”

Vicki Iszatt

 We want to stop Self-Employed people getting ripped off

Rate Money was created to give those brave enough to build a business for themselves a much fairer go with their home loans. So we broke free from the confines of the archaic banking system to develop better funding models and much better ways of getting Self-Employed Australians the finance and service they deserve. Because we’re Self-Employed too.  

We're the Self-Employed Specialists.

Rate Money was founded on one, simple principle: to make sure the Self-Employed get a fairer go with their home loans. And with over 50 years of combined experience and expertise, our founders continue to develop innovative ways to help other Self-Employed Australians get the finance they need to build their dreams and property portfolios. We would love to help you too.

No Risk Fees. No LMI. No False Promises. No Bandits.

You should be rewarded for being Self-Employed. Not punished. So we’ve got rid of ‘risk’ fees because you’re not risky. You’re brave. We got rid of Lender’s Mortgage Insurance (LMI) because why should you pay to insure a bank or other lender? And we’ll always be straight with you too. No wasting your time with false promises or gibberish. ‘Cause you’ve got a business to run.

Offering You More Flexibility than an Olympic Gymnast.

With access to funds from so many different sources (all of whom have different appetites for different property sectors), we work hard to make the finance work for you. Regardless of the type of property you’re interested in. Even if a bank has already said ‘no’. Which is what they tend to do right? Especially to the Self-Employed. But with Rate Money, you’re home.​

No "Risk Fees"

This little nasty adds absolutely no benefit to you but can bump up the cost of your loan by $5-10k. Developed by an offshore bank (who else) we continue to just say “no” to it. So you don’t have to.

No "Lender's Mortgage Insurance" (LMI)

Insurance that the borrower pays to cover the lender? No thanks. And get this, about 1/4 of all housing loans carry it. Thankfully, not our Self-Employed customers.  


We won’t try to fool you with false rates or lie about the obstacles that Self-Employed people may face. But we will work through them with you and find you the very best deal and rate for your circumstances. 

Get the home you want today

Ready to get the ball rolling?  Then let’s start chatting.