Refinance an Existing Loan

With interest rates so low at the moment, it’s no surprise that just about everyone is looking at their home loans and investment loans to see if they can do better. And if you’re Self-Employed, there’s no better place to look than right here at Rate Money – a home for the Self-Employed.

ALL your income is considered 

If you’re Self-Employed, Rate Money is the perfect place to refinance all your existing loans. Because unlike the ‘4 big boys’ we consider ALL your income from a business point of view. This includes but isn’t limited to:


Deductible interest

Extra super payments





The lot. Because the better your income looks to our funders, the better the deal we can offer you.

Unlimited Cash Out 

When you’re refinancing with Rate Money, you can take out as much existing equity as you like from your current house or investment property. You’re free to then use that cash for renovations, a holiday (well needed, we’re sure), kids’ school fees or any other manner of things.


Refinance an Unlimited Amount of Personal Debt 

When you refinance with us, you’re welcome to add in all your high-interest personal loans and pay them off through your new Rate Money low-interest home loan. This can save you an absolute fortune.

“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