Home, investment & commercial finance services – 35+ lenders compared.
Rate Challenge helps with home loans, refinances, investment property lending, commercial and equipment finance, tiny homes, SMSF lending and more. We structure your lending properly, then keep challenging your rate so it stays competitive over time. No broker fee on standard home loans.
Information here is general only. We’ll confirm lender policies and pricing for your situation before any recommendation or application.
Meet your broker
David Warburton, mortgage & finance broker – Australia-wide. Member: FBAA. Lender panel via VOW / Yellow Brick Road (35+ lenders). We don’t charge a broker fee on standard home loans. We structure your loans properly, then keep challenging your rate so savings compound over time.
Every file is treated like a long-term relationship: we look at your full position — home, investment and business lending — so today’s structure still works when you upgrade, invest, or buy through a company, trust or SMSF.
How we’re paid: for standard home loans, the lender pays us after settlement (no broker fee to you). On commercial, SMSF and some business lending, we’ll explain any brokerage or mandate clearly before you decide.
Goal: the right lender, structure and documentation from day one — so approvals are smoother now and your borrowing capacity isn’t boxed in for the next move.
Home loan & investment property services
First Home Buyers
We’ll map a clear path from where you are now to a real, fully assessed pre-approval — deposit options from 5–20%, LMI and scheme eligibility, realistic timelines and contract-safe buffers. We coordinate with your conveyancer so lender timing actually matches your purchase dates.
Home Loan Refinance Options
We benchmark your current home loan against 35+ lenders, test repricing first, then only move you if the savings and structure genuinely stack up. That means looking at cashback, fees, valuation risk and how the new structure affects your future plans.
Property Investment Mortgage Broker
We focus on cash-flow, buffers and future borrowing capacity. IO vs P&I, rent shading, valuation approach and lender appetite all feed into the structure we recommend, so you can keep growing the portfolio without trapping yourself on policy.
Tiny Home Finance Australia
Tiny homes don’t fit neatly into most bank boxes. We help line up the right lender, security type and site setup, then map a realistic approval timeline so your tiny home project is bankable from day one.
Free Mortgage Broker
Work with a free mortgage broker who compares 35+ lenders with no broker fee on standard home loans. Get straight answers on home, investment and refinance options without paying us directly.
Lending services for business owners & SMSFs
Business Franchise Loan Broker
Fit-out, franchise fees, stock, vehicles and working capital — we line up a practical mix of term loans, overdrafts and asset finance. We factor in franchisor requirements and real-world cash-flow so the numbers work beyond day one.
Commercial Mortgage Broker
Owner-occupied and investment commercial property, from warehouses to offices and retail. We match lenders to your DSCR, lease profile and security type so covenants, review clauses and valuation assumptions don’t surprise you late in the process.
Equipment Finance Broker
Whether it’s a new ute, truck, machine or fit-out, we help you compare chattel mortgage, lease and hire purchase — then structure repayments and residuals around your cash-flow so the gear pays for itself without straining working capital.
Equipment Finance – Melbourne
Melbourne-focused equipment finance support for utes, trucks, machinery and fit-outs. We work with 35+ lenders to shape terms around your cash-flow, seasons and growth plans.
Equipment Finance – Geelong
Geelong-focused equipment and asset finance for utes, trucks, machinery and fit-outs, with structures shaped around your cash-flow and growth plans.
Equipment Finance Broker Ballarat
Ballarat equipment finance support for vehicles, plant and farm or trade gear, matching lenders to your cash-flow, seasons and local plans.
Motorbike Finance Broker
Motorbike finance for personal and business riders. We compare lenders, terms and balloons so repayments fit your budget and cash-flow without nasty surprises.
SMSF Mortgage Broker
Specialist SMSF lending support, working alongside your accountant and adviser. We help structure limited recourse borrowing arrangements (LRBAs), align lender policy with your fund deed, and keep the loan side compliant while you focus on strategy.
SMSF Mortgage Broker Melbourne
Local SMSF lending support for Melbourne trustees buying residential or commercial property through super, alongside your accountant and adviser.
SMSF Mortgage Broker Geelong
SMSF mortgage broking for Geelong, Surf Coast and Bellarine trustees looking to purchase property through super with a compliant LRBA structure.
SMSF Mortgage Broker Ballarat
Ballarat-focused SMSF lending support for trustees considering residential or commercial property through super, aligned with your local advice team.
Local mortgage broker help
Mortgage Broker Melbourne
Home, investment and commercial lending support across Greater Melbourne, including CBD, inner suburbs and growth corridors.
Mortgage Broker Truganina
Home loans, refinances and investment lending for Truganina buyers and homeowners, with lender comparisons across 35+ options.
Mortgage Broker Geelong
Support for Geelong, Surf Coast and Bellarine buyers and investors — with local insights on lenders, valuations and suburbs.
Mortgage Broker North Geelong
Help for North Geelong, North Shore and nearby suburbs, including investors and first-home buyers.
Mortgage Broker Ballarat
Ballarat home and investment lending with a focus on realistic timelines, valuations and buffers.
Mortgage Broker Bacchus Marsh
Assistance for Bacchus Marsh buyers, investors and refinancers navigating a fast-changing local market.
Mortgage Broker Melton
Support for Melton and surrounding suburbs, including estate purchases and house-and-land packages.
Mortgage Broker Southport
Local Gold Coast mortgage broker support for Southport buyers, investors and refinancers.
Refinance help in your area
Refinance – Bacchus Marsh
Refinance and restructure options tailored to Bacchus Marsh homeowners, with a focus on buffers and long-term flexibility.
Refinance – Melton
Compare offers and structure your Melton refinance to support future plans — from renovations to the next purchase.
Refinance – Ballarat
Ballarat refinance support that weighs real savings against valuation risk, buffers and future borrowing capacity.
Refinance – Geelong
Geelong rate and structure reviews across 35+ lenders, built for long-term flexibility, not just a quick headline rate.
Refinance – Belmont
Refinance help for Belmont homeowners in Geelong, balancing rate savings, valuation risk and future plans.
Refinance – Tarneit
Tarneit refinance options across 35+ lenders, tailored to Wyndham’s fast-growing estates and real-world budgets.
Refinance – Werribee
Refinance support for Werribee homeowners, weighing sharper pricing against buffers, valuations and future upgrades.
Refinance – Point Cook
Point Cook refinance reviews for established streets and bayside estates, with a focus on long-term flexibility.
Refinance – Truganina
Truganina refinance and rate review support across 35+ lenders, weighing real savings against fees, valuations and future plans.
Refinance – Southport, Gold Coast
Refinance and rate review support for Southport homeowners, aligned with Gold Coast market conditions.
Step-by-step finance guides
Home Loan Guide
Plain-English steps from pre-approval to settlement so you know how the home-loan process really works.
First Home Buyer Guide
Deposit options, LMI, schemes and timelines that actually work, plus a plan to get “purchase ready”.
Rentvesting Guide
What, why and how of rentvesting — including cash-flow, buffers and how it compares with buying your own home first.
Commercial Property Finance Guide
From DSCR and WALE to covenants and review clauses — a clear walkthrough of how commercial property finance works.
Tiny Home Finance Guide
Finance options, timelines and practical steps for getting tiny home projects bank-ready.
Local insights for movers & investors
Best Schools in Geelong 2025
Education-focused overview of Geelong’s key schools to help families plan where to live and buy.
Best Schools in Ballarat 2025
A look at Ballarat schools and catchments so you can align your property plans with education goals.
Best Schools in Melbourne 2025
Key school options around Melbourne and how they intersect with popular home-buying areas.
Geelong infrastructure, hospitals & transport 2025
Major infrastructure, health and transport projects shaping Geelong’s liveability and property market.
Melbourne infrastructure, hospitals & transport 2025
How big infrastructure and hospital projects are influencing Melbourne suburbs and commute patterns.
Suburb property reports
Highton – Geelong Property Report 2025
Prices, rents and key trends for Highton buyers and investors.
Belmont – Geelong Property Report 2025
A detailed look at Belmont’s housing market and who the area suits.
Newtown – Geelong Property Report 2025
Trends and numbers for one of Geelong’s most established suburbs.
Grovedale – Geelong Property Report 2025
Growth, yields and buyer profiles for Grovedale.
North Geelong – Property Report 2025
Industrial-adjacent suburb insights for North Geelong buyers and investors.
Truganina – Property Report 2025
Median prices, growth and rents in Truganina, plus practical buying budget tips for 2025.
Southport – Gold Coast Property Report 2025
Key prices, yields and trends for Southport buyers and investors on the Gold Coast.
Plan with real numbers
Home Loan Interest Rate Review Calculator
Check whether repricing or a refinance could actually move the needle before you start paperwork.
Mortgage Repayment Calculator
Repayments at different rates and terms — simple and clear. Great for stress-testing higher rates.
Rentvesting Calculator
Side-by-side numbers: rent where you live vs buy to invest elsewhere.
Commercial Property Calculator
Indicative cash-flow, yields and buffers for commercial property scenarios.
Property Investment Calculator
Cash-flow, sensitivity and buffer testing for your current or next investment property.
First Home Buyer Scheme Calculator
Check scheme eligibility and compare going in with a smaller deposit vs waiting to save more.
Max Borrowing Calculator
Indicative borrowing capacity and buffers in minutes, before you start attending opens.
Tiny Home Finance Calculator
Numbers around tiny home pricing, deposits and likely repayments.
All calculators
A single hub for all Rate Challenge calculators in one place.
Calculators are guides only and do not constitute loan approval or personal advice. Final pricing requires a full application and lender approval.
Articles & deep dives
Rate Challenge Blog
All the latest articles on home loans, investing, commercial finance, tiny homes and more.
Rentvesting in Australia – What, Why & How (2025)
A clear-headed look at rentvesting — who it suits, trade-offs and how to structure lending.
Commercial Property Market – Australia 2025
Big-picture trends in commercial property and what they mean for borrowing and risk.
Tiny Home Industry – Australia 2025
Where the tiny home space is heading and how lenders are responding.
Navigating the Bacchus Marsh Property Market
Practical tips for first-home buyers looking at Bacchus Marsh — from budgets to suburbs and lending.
Truganina Mortgage Case Study 2025
A real scenario showing how we compared 35+ lenders to structure a smarter Truganina home loan outcome.
Southport Home Loan Case Study
A real example of structuring a Southport home loan with buffers and future plans in mind.
No drama, just real lending help
We’re not into the hard sell. We won’t spam you or tell you to refinance “just because”. We’ll look at your numbers, listen to what you need, and tell you straight if we can help. If the best move is to push your current lender, wait, or tidy a few things first, we’ll say so.
If it’s a fit, we’ll handle the paperwork, valuations and lender follow-ups so you’re not stuck on hold. That’s what Rate Challenge is about: real people, doing real lending, with no games — and no broker fee on standard home loans.
Where you can find us
Questions about our services
What types of loans can Rate Challenge help with?
We help with home loans, refinances, investment property loans, tiny home finance, commercial property, SMSF-style lending alongside your advisers, equipment and asset finance, and franchise or business lending. The aim is to look at your whole position so home and business lending work together.
Do you charge a broker fee for your services?
For standard residential home loans, we don’t charge you a broker fee — the lender pays us after settlement. For some commercial, SMSF and business deals, there may be a brokerage or mandate fee. If that applies, we’ll spell it out clearly before you decide to proceed.
Can you work with my company, trust or SMSF structure?
Yes. We regularly work with loans in companies, trading trusts and SMSFs alongside your accountant or adviser. We match lenders whose policies suit that structure so documentation, servicing and approvals run more smoothly.
How quickly can you get an approval?
Turnaround times depend on the lender and the type of deal. Some PAYG home loans can be fully assessed in just a few days, while complex commercial or SMSF deals can take longer. We’ll choose lenders based on both rate and service levels, then keep you updated all the way through.
Will you just recommend the cheapest rate?
We’ll show you sharp pricing, but structure and policy matter just as much. A slightly cheaper rate is rarely worth it if policy is tight, valuations are tricky, or the structure hurts your borrowing capacity later. We’ll walk you through the trade-offs so you can decide with clear eyes.
Do you review my loans after settlement?
Yes. The whole point of Rate Challenge is ongoing review. After settlement we keep checking your rate and structure against what’s available, and we’ll let you know when it looks like time to push your current lender or consider a refinance.