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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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Aerial view of Albert Park Lake and surrounding South Melbourne apartments and parkland near the Melbourne CBD

South Melbourne Property Report 2025 | Rate Challenge

A Rate Challenge Suburb Report South Melbourne VIC 3205 Property Report 2025 Updated 19 January 2026 · Inner-south Melbourne buyers […]

Yarraville Village streetscape in Melbourne’s inner west, with heritage shopfronts, leafy trees and locals walking between cafes and period homes

Yarraville Property Report 2025 | Melbourne Suburb Guide – Rate Challenge

A Rate Challenge Suburb Report Yarraville VIC 3013 Property Report 2025 Updated 18 Jan 2026 · Median house ~$1.146m · […]

Mortgage broker reviews Alfredton property market data charts on a laptop for the Rate Challenge suburb report.

Alfredton Property Report 2025 | Ballarat Suburb Guide – Rate Challenge

    A Rate Challenge Suburb Report Alfredton, Ballarat Property Report 2025 Updated 17 November 2025 · Ballarat & Melbourne […]

Smiling young couple holding keys after purchasing their first investment property, used for a Ballarat rentvesting case study.

Rentvesting Ballarat Case Study | Rate Challenge

A Rate Challenge Viewpoint Rentvesting with Ballarat — a real case study from rent to results Updated 10 February 2026 […]

Close-up of a person using a calculator and laptop to review financial documents at a desk.

SMSF Property in Ballarat: Where the Numbers Actually Stack Up (2025)

A Rate Challenge Viewpoint SMSF property in Ballarat — where the numbers actually stack up Updated 15 November 2025 · […]

Flat lay of home loan and refinance planning essentials including keys, calculator, and contract papers.

Home Loan Refinance Guide Australia | Lower Rates & Bigger Savings – Rate Challenge

<!doctype html>   A Rate Challenge Viewpoint Refinancing in 2025 — clarity, cashflow and the real reasons to switch Updated […]

Financial market graph representing SMSF investment trends in 2025.

The SMSF market in 2025 — control, property and the new risk line

A Rate Challenge Viewpoint The SMSF market in 2025 — control, property and the new risk line Updated 18 February […]

Front view of an SUV on an Australian highway under a blue sky, representing SME vehicle upgrades and equipment finance.

Australia’s 2025 car market: a small-business playbook for smarter asset finance.

<!doctype html>     A Rate Challenge Viewpoint Australia’s car market in November 2025 — an SME lens on stock, […]

Man unloading furniture from a moving van outside a home in North Geelong

North Geelong, Geelong Property Report 2025

A Rate Challenge Suburb Report North Geelong Property Report 2025 Updated 3 November 2025 · Geelong & Melbourne buyers A […]

Grovedale 2025 suburban street of homes in Geelong, Victoria

Grovedale, Geelong Property Report 2025

A Rate Challenge Suburb Report Is Grovedale a Good Suburb? Grovedale Property Report 2025 Last updated: 3 November 2025 · […]

Key in a front door lock of a modern home in Waurn Ponds, Geelong.

Waurn Ponds, Geelong Property Report 2025

A Rate Challenge Suburb Report Waurn Ponds, Geelong Property Report 2025 Updated 3 November 2025 · Geelong & Melbourne buyers […]

Young family unpacking moving boxes in a light-filled Newtown, Geelong home

Newtown, Geelong Property Report 2025

    A Rate Challenge Suburb Report Newtown, Geelong Property Report 2025 Updated 30 October 2025 · Geelong & Melbourne […]

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