About us

A little about how we began and where we are going.

With over 10 years of home loan banking experience within Australia’s big 4 banks in West Melbourne, Geelong, Ballarat and Bendigo we understand our local market and customers better than anyone. Our mission is to serve our customers with honesty,
integrity and competence. Our goal is to provide home loans to our clients while
providing them with the lowest interest rates and closing costs possible.

Who we are

We are proof that 

different works.

RateChallenge is proof that innovative refinancing solutions work. We offer tailored loan options that help you save money and achieve your financial goals, demonstrating how personalized strategies can make a real difference in your home financing journey.

Fast closings

Competitive low rates

No pressure

Who we are

Refinancing Your Mortgage is the Right Decision

Available 7 days a week

We know how important it is to be available on the weekends. A licensed Mortgage Analyst is always on call.

24 Hour responses & constant updates

You always receive responses to inquiries within 60-minutes during business hours, and are kept constantly updated on your loan status.

Your Path to Financial Freedom

Know exactly what to 
expect from your loan

Refinance and Save

Expert advice

local knowledge

Contact us

Ready to Take the Next Step?
Contact Us Today!

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