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Independent mortgage, property and small business finance insights for Australian borrowers. Use these guides, case studies and suburb reports to compare options, sense-check what the banks are saying and get clearer on your next move. No broker fee on standard home loans.

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Four students in school uniform with backpacks walking across a school oval in Bendigo, Victoria on a sunny day.

Best Schools in Bendigo (2025) | Rate Challenge

A Rate Challenge Guide Top 10 Schools in Bendigo VIC (2025) Date published 25/11/2025 Last updated: 9 February 2026. 09/02/2026 […]

Children playing soccer outdoors, showing active play in Geelong childcare and kindergarten programs.

Best Child Care Centres & Kindergartens in Geelong, VIC (2025) | Rate Challenge Guide

A Rate Challenge Guide Best Child Care Centres & Kindergartens in Geelong, VIC (2025) Date published 24/11/2025 Last updated 24/11/2025 […]

A young child playing with rainbow-coloured playdough at a table, representing early learning and childcare in Ballarat, Victoria.

Best Childcare Centres & Kindergartens in Ballarat, VIC (2025) | Rate Challenge Guide

A Rate Challenge Guide Best Child Care Centres & Kindergartens in Ballarat, VIC (2025) Date published 24/11/2025 Last updated 24/11/2025 […]

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Undervalued Suburbs Geelong 2026 | Rate Challenge View

Opinion · Rate Challenge view Undervalued suburbs in Geelong for 2026: where I think the catch-up growth is hiding Updated […]

Boathouse on Lake Wendouree in Ballarat, reflected on calm water under a clear blue sky.

Undervalued Suburbs Ballarat VIC 2026 | Rate Challenge View

Opinion · Rate Challenge view Undervalued suburbs in Ballarat VIC for 2026: where value pockets may be forming Last updated […]

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Undervalued Suburbs Melbourne 2026 | Rate Challenge View

      Opinion · Rate Challenge view Undervalued suburbs in Melbourne for 2026: where I think the catch-up growth […]

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Australia’s Property Obsession & The Economic Trade-Off | Rate Challenge View

Opinion · Rate Challenge view Property investment in Australia is our default wealth play. That’s a problem. Updated 21 November […]

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SMSF Case Study Australia | Commercial LRBA – Rate Challenge

SMSF commercial property case study Rate Challenge SMSF case study – using super to buy a commercial property without blowing […]

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Why Use a Mortgage Broker – 35+ Lenders | Rate Challenge AU

Opinion · Rate Challenge view Why use a mortgage broker instead of going straight to your bank? Updated 20 November […]

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Belmont, Perth WA Property Report 2025 | Rate Challenge

    A Rate Challenge Suburb Report Belmont, Perth Property Report 2025 Updated 19 November 2025 · Perth airport corridor […]

Aerial view of Richmond, Melbourne and the sports precinct along the Yarra River, used for the 2025 Richmond suburb report by Rate Challenge mortgage brokers.

Richmond, Melbourne Property Report 2025 | Rate Challenge

    A Rate Challenge Suburb Report Richmond, Melbourne Property Report 2025 Updated 19 November 2025 · Inner-east & Melbourne […]

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Equipment Finance Case Study – Earthmoving | Rate Challenge

Equipment finance case study Equipment finance case study – how an earthmoving business turned machines into momentum Updated 18 November […]

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