Refinance and save money when you need it the most
We Make Home Loans Easy For Everyone
Make An Enquiry
Enquire between 8am to 8pm, Monday to Sunday and we call you back within 5 minutes. Our brokers work around the clock to help you!
Speak With A Broker
We assess your situation, negotiate rates, screen lenders and present you with your best options. We are with you every step of the way!
Loan Approved
You pick the best option that suits you and we get your home loan formally approved! We make the whole home loan process easy!
Service we Provide
40+ Lenders
Close as fast as 10 days
Low rates
Free quote with no credit check
ultra fast home loan refinance
Financial services platform
Lower Interest Rate
Lowering interest rates with Rate Challenge helps borrowers save money by reducing their monthly payments and total loan costs. It provides an opportunity to refinance at better rates, leading to significant financial relief.
Lower Your Payment
Cash-Out Refinance
We’ll find the right loan for you.
Fixed and Variable Rate Mortgage
Low & stable paymentsnever increase
Accessible for all buyers
Useful for all property types
First-Time Buyer Rate Discount Program
lower introductory rate
Only needs 3% down payment
Eligible for lower mortgage insurance
Bridging loan
Fast closings - as fast as 14 days!
Sell up to 7 months after buying
24+ OTHER Loan Types
At RateChallenge.com.au, everything we do is about getting people a better finance deal without all the sales fluff. We’re not here to talk in circles or throw complicated jargon around. We’re here to look at your situation, understand what you actually need, and get to work on it.
Home Loan Refinancing
A lot of people don’t even realise their loan isn’t competitive anymore. They just keep paying the same amount year after year. If your rate has crept up or the bank isn’t budging, we’ll run the numbers and show you if you can do better. We talk to the lender. If they won’t sharpen the deal, we go to someone who will. It’s not always about chasing the lowest rate—it’s about making sure your loan still works for your plans.
Buying Your Next Home
Every move comes with a different set of challenges. You might be buying before selling. Maybe there’s a short settlement or you need bridging finance. We help you line it all up and figure out the right way to structure the loan so you’re not left scrambling. We don’t rush things, and we won’t leave you confused.
First Home Buyers
We know the feeling—you’ve saved hard, but now you’re staring at a bunch of loan options and everyone’s giving you different advice. We’ll sit down and explain what you can borrow, what your repayments would look like, and whether LMI applies. We’ll show you the first home buyer schemes that are relevant and which lenders are worth considering. It’s about giving you real clarity, so you can make the call without second-guessing.
Investment Property Loans
When it comes to investing, structure is everything. Are you buying in a trust? Offsetting income? Need to free up equity for your next buy? We’ll help you look ahead and put a plan in place that suits your long-term goals. We’ve worked with people who are just starting out and others with multi-property portfolios. We’ll show you how to use what you’ve got to get where you want to go.
Loans for the Self-Employed
If you run your own business, you know how hard it is to deal with banks. You might be making good money, but if it’s not shown in the right way on paper, most lenders just don’t get it. That’s where we come in. We understand how to present your BAS, tax returns, or accountant letters. We know which lenders offer alt doc and how to package it so it makes sense. It’s about getting the deal over the line, not hitting a wall with red tape.
Equipment Finance
If you need a new ute, machine, or piece of equipment, we can sort it quickly. We’ll show you the options—chattel mortgage, lease, hire purchase—and how they fit with your business cash flow and tax setup. We keep it simple. You tell us what you need. We make it happen.
Commercial Finance
Commercial lending takes a bit more work than a standard home loan, but that’s where we shine. Whether you’re buying an office, retail shop, or factory, we’ll show you what’s possible and which lenders will back you. You might be buying through a trust, company, or SMSF—we’re across all of it. We know how to prepare a strong application and explain it in a way that gives you the best shot.
Franchise Finance
Franchise deals are different to buying a standalone business. There’s usually a franchise fee, fit-out, equipment, and cash buffer to think about. We’ve worked with people buying into big name brands and smaller franchise systems too. We’ll talk to you about what it really costs, help you set a budget, and find lenders who understand how the franchise model works. We’ll also help you manage what the franchisor expects from you—because if you’re not ready, it can fall over fast.
SMSF Loans
If your super fund is looking to buy property, you need to make sure everything is set up right. SMSF loans can’t be rushed. We’ll walk you through the structure—bare trusts, legal setup, contributions—and what lenders actually need to see. There are only a handful of banks still active in this space, so it pays to work with someone who’s done it before.
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 let you know if we can help. If we can’t, we’ll tell you straight. If we can, we’ll handle the paperwork and push things through until it’s done.
That’s what RateChallenge.com.au is about. You call us when you’re ready to sort your loan, not get sold one. Real people, doing real lending, with no games.
Ready to Take the Next Step?
Contact Us Today!
