rbaThe RBA has announced a reduction to the official cash rate. We will be reducing interest rates across all variable rate products by 0.25%, more information coming soon!

Self-Employed?
Cut Through Home Loan
Paperwork.

Messy financials made simple. Fast approvals, no hidden fees.
Guidance from our Lending Managers – self-employed home loan experts.
Find Your Loan Talk to Us
customers

15,000+

Self-employed customers found home loans that work for them.
customers (1)

40

Branches across Australia, and growing.
customers (2)

2025

MFAA Excellent Awards: National Winner.

Why is it so hard to get a home loan
when you're self-employed?

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Messy Financials

Banks demand 'perfect' financials, few of us have that.
Messy Financials
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Long Wait Times

Unclear answers that waste valuable time.
Long Wait Times
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Unexplained Rejections

No clear explanation or path forward.
Unexplained Rejections
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Backing Self Employed Australians

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webiste tick Alt-Doc Loans that Fit You
webiste tick Local Experts in Your Corner
webiste tick No Risk, Valuation or App Fees*
webiste tick Exclusive Products You Won’t Find Elsewhere
webiste tick 5-Star Google Reviews Across Our Network

Home Loan Options

that work for you

Mortgage Calculators

Tools to help you make informed decisions about your home loan

Loan Repayments

customers (6)
Calculate your monthly repayments based on loan amount, interest rate and term.

Stamp Duty

customers (4)
Calculate your total government fees based on your particular circumstances.

Not sure which calculator to use?

Talk to one of our lending managers who can help you understand your options and find the right loan for your situation.

Here's How It Works

1

Talk to an expert Lending Manager

We take out the hard work

2

Tailored home loan solution

We provide a solution tailored to your needs

3

Approval with confidence

We'll guide you every step to settlement

Hear From Self-Employed Australians Like You

How I got approved after 3 bank rejections

Jacqui | Rate Money Customer

From rejection to approval in 2 weeks

Kieran | Rate Money Customer
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'The ongoing communication and support from start to finish makes a big life decision all that less stressful.. '
Ashley Ryan
Rate Money Southern Highlands
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'The team kept us informed the entire time and made sure everything went smoothly.'
Margaret Tawah Andrews Vah
Rate Money Melton
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'...incredibly professional, attentive, and dedicated to helping me find the best mortgage options.'
Vincent Ryan
Rate Money Ryde
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'Transformed a typically challenging and stressful process into a seamless experience...I wholeheartedly recommend their services.'
Nathan Kinnear
Rate Money Logan
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'…attention to every detail.  Great support in making Self Employed lending a breeze.'
Tamsyn Rose
Rate Money Sydney City
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'As a self-employed business owner, finding a lender that truly understands my situation was a game-changer.'
Krupa Chinnasani
Rate Money The Hills

Still Have Questions?

Do I qualify if I am a sole trader, or short term self-employed?

Yes absolutely, we specialise in lending to the self-employed and can accept alternative documentation like BAS statements, business account statements, or an accountant’s declaration instead of tax returns. We even offer specific loan strategies for businesses with ABNs as young as 12 months.

How fast is the approval process?

We pride ourselves on speed and efficiency, with approvals often achieved within just 24 to 48 hours once we have your documents.

Will my interest rate or fees be higher?

While our rates are competitive for specialist lending, we actively beat competitors on upfront costs by charging no application fees, no valuation fees, and no risk fees on many of our products.

Don't Let 'Bank Said No' Stop You
From Moving Forward

Loans built for self-employed income

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Personal service from local experts

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No hidden fees

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Disclaimer
*Higher interest rates may apply. Terms and conditions apply, and actual interest rate will depend on credit assessment criteria and loan to value (LVR) ratio. Rates are subject to change without notice. The comparison rate is calculated based on a loan of $150,000 over a term of 25 years. The comparison rates displayed are true only for the examples given and may not include all fees and charges. Different times, fees or other loan amounts might result in a different comparison rate.