Rate Challenge

5.0 on Google
35+ lenders Same-day call-back Australia-wide video meetings

Contact Rate Challenge

Speak with a mortgage broker today about refinancing, first home buying, upgrading, investing or construction finance. Clear next steps, fast response times, and no broker fee on standard home loans.

Ballarat office • Melbourne, Geelong and surrounding areas by appointment • Australia-wide by phone or video

Book a broker call

Business-hours call-back is usually within 60 minutes. Fields marked * are required.

Australian mobile is best for a quick call-back.

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Call us

Mon–Fri 9–5 AET. After-hours appointments available when needed.

Email

Clear next steps and fast replies, usually within 1 business hour.

Video or in person

Ballarat office or Australia-wide by phone and video. Easy bookings and simple next steps.

“Very clear and communicative — saved us thousands on our refinance.”
From a recent Google review. See more reviews

Office & service areas

Ballarat Central

U 63/17 Armstrong St S, Ballarat Central VIC 3350
Ballarat office map

Melbourne (CBD)

By appointment. We also handle Australia-wide video meetings.

View Melbourne page

Geelong

By appointment, covering Geelong, Surf Coast and Bellarine.

View Geelong page

Bacchus Marsh & Melton

By appointment, with support for local purchases and refinances.

View Ballarat hub

Contact FAQs

How fast do you respond?
During business hours we usually return calls and emails within 60 minutes. After-hours messages are usually returned the next business morning.
What should I have ready for the first chat?
A rough idea of your goal, your postcode, approximate loan amount, property value and income type. We will tell you exactly what documents matter next.
Do you only work in Victoria?
No. We work with clients across Australia by phone and video, with in-person appointments around Ballarat, Melbourne and Geelong.
Do you charge a broker fee?
There is no broker fee on standard home loans. If a specialist scenario ever involved a fee, it would be discussed clearly before you proceed.
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