Rate Money,
Southern Highlands 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_Scott_Morton

Branch Principal

Scott Morton

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

PHONE 02 4871 1123

Latest news

Company & Trust Structure Lending Options Explained

Company & Trust Structure Lending Options Explained

Alternative Options When Traditional Lenders Tighten Lending for Company and Trust Structures For many self-employed Australians, operating through a …

May 18, 2026 10:30:00 AM
Low Income Home Loans Australia | What Actually Matters

Low Income Home Loans Australia | What Actually Matters

Think You Can’t Get a Home Loan on Low Income? Read This First If you’ve ever looked at your income and thought, “There’s no way I’ll get approved”, y…

Apr 15, 2026 11:45:00 AM
5 Reasons to Refinance Your Home Loan in 2026

5 Reasons to Refinance Your Home Loan in 2026

5 Reasons Australians Are Refinancing Their Home Loan in 2026 For many Australians, a home loan is often something you set up once and then leave alon…

Mar 24, 2026 5:26:55 PM

Southern Highlands Branch

2/2 Bowral Road, Mittagong NSW 2575

 
 
Jason Gilroy
Jason Gilroy
14 days ago
Highly recommend Matt and his team. Very professional and just a great bloke
Annica Lester
Annica Lester
2 months ago
Awesome , friendly and speedy service, I couldn't be more happy with the refinance of my loan 😀 Thanks so much Annica
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Kelly cook
Kelly cook
3 months ago
Outstanding service and customer care. My partner and I can’t recommend Matt Cooney enough, top man and knows his stuff. He made our homeloan a very smooth and easy process.
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Matthew Bramble
Matthew Bramble
7 months ago
Outstanding customer service with a focus positive outcomes for their customers. We were provided with ample advice and service which was communicated in a way that helped us understand. Very quick turn around on our loan application with step by step assistance during the entire process. I would recommend that anyone who is seeking a home loan or refinance to give Matt Cooney and his team a call.
Read more
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Rate Money,
Southern Highlands

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!

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