The mortgage industry is evolving. More brokers are looking beyond commission splits and asking a bigger question: how do I build a business with long-term value?
For many, the answer is partnering with a non-bank franchise that provides the freedom of business ownership with the backing of an established brand, proven systems, and expert support.
At Rate Money, we’ve built our franchise network around one of Australia’s fastest-growing lending segments: self-employed Australians.
Why self-employed lending?
Business owners are the backbone of the Australian economy, yet many remain underserved by traditional lenders because of:
- complex income structures
- multiple entities and trusts
- recently established businesses
- alternative documentation
- non-standard financials.
Rather than seeing complexity as a barrier, we see it as an opportunity to deliver niche lending solutions and differentiate ourselves.
What makes Rate Money unique?
Our franchisees gain access to lending solutions designed specifically for self-employed borrowers that allow them to offer more solutions to more customers:
- no application fee, valuation fee, risk fee, or LMI
- one form of income verification
- unlimited cash out
- private loan refinances
- ABN registration from just three months
- unlimited debt and tax debt consolidation
- lending up to $12 million total exposure
- dollar-for-dollar refinances with no servicing.
These specialist policies help franchisees solve lending scenarios that many mainstream lenders simply can’t accommodate.
More than products – a business built for growth
Owning a Rate Money franchise means more than accessing comprehensive loan products and policies. It means building your own business while being supported by an experienced national team across:
- credit
- marketing
- operations
- compliance
- CRM platform with workflow automation
- business development
- ongoing training.
Today, Rate Money supports more than 40 independently owned franchises across Australia, with continued national expansion planned. Franchisees benefit from the strength of an award-winning brand while building equity in a business they own.
Back yourself – we’ll back you
The best lending specialists have one thing in common: they back themselves.
At Rate Money, we do the same.
If you’re ready to move beyond simply writing loans and start building a market lending business with the support of an experienced team, we’d love to talk.
Why brokers choose Rate Money
- Own your own business through a proven franchise model.
- Tap into the growing self-employed market.
- Specialist Full Doc and Alt Doc lending solutions.
- Award-winning non-bank brand.
- Comprehensive support across credit, compliance, marketing, and operations.
- National network of experienced lending specialists.
