Rate Money Southern Highlands

Rate Money Southern Highlands Don't Loan Alone. Tailored loans for self-employed Aussies. Servicing the Southern Highlands and South Coast

Fuel. Groceries. Interest rates.Everything’s gone up and for self-employed Aussies, it can hit even harder.If cash flow’...
30/04/2026

Fuel. Groceries. Interest rates.
Everything’s gone up and for self-employed Aussies, it can hit even harder.

If cash flow’s feeling tighter, there may be options to ease the pressure — whether that’s refinancing, accessing equity, or simply restructuring things to work better for you.

When income isn’t perfectly consistent on paper, it’s easy to feel like you’re on the back foot.

But the reality? There are often more options than you think, it’s just about knowing how to structure things properly.

Don’t loan alone. Let’s talk.

When it comes to paying off your home loan faster, two of the most common features Australians compare are an offset acc...
07/04/2026

When it comes to paying off your home loan faster, two of the most common features Australians compare are an offset account and a redraw facility.

Both can reduce interest and help you get ahead on your mortgage, but they work differently, and the right choice depends on how you earn and manage your money.

An offset account is a separate account linked to your loan. The balance sits against your loan amount, helping reduce interest while keeping your funds accessible.

A redraw facility lets you access extra repayments you’ve already made on your loan.

Same goal. Different setup.

If you’re not sure what suits your situation, our team at Rate Money Southern Highlands / South Coast can help you understand your options

🎨 Colour, create and win! You’ll find our kids colouring competition sheets at: 📍 The Bowral Hotel 📍 The Mittagong Hote...
19/03/2026

🎨 Colour, create and win!

You’ll find our kids colouring competition sheets at:

📍 The Bowral Hotel
📍 The Mittagong Hotel
📍 The surveyor General Berrima

Pick one up, get creative and be in the running to win some great prizes!!

Can’t make it to one of these locations? No worries, just send us a DM and we’ll send you a copy to print at home.

Once completed, email a photo of your masterpiece to:
✉️ [email protected]

Entries close 1 April 2026.

T&C’s apply.

Self employed? If you run your own business, your income doesn’t always fit nearly into a payslip. That’s why we look at...
16/03/2026

Self employed?

If you run your own business, your income doesn’t always fit nearly into a payslip.

That’s why we look at the bigger picture.

Income documentation we ask for is an income declaration form plus ONE of the following:
- Accountants letter
- 6 months BAS
- 6 months business bank statements
- 1 year financial statement

This approach helps paint a more accurate picture of how your business really performs, especially for trades and self employed Aussies.

Because your income isn’t “messy”.
It just needs to be understood properly.

Don’t Loan Alone.

You wouldn’t let a first year apprentice quote a major job.So why let a lender who doesn’t understand your business inco...
11/03/2026

You wouldn’t let a first year apprentice quote a major job.

So why let a lender who doesn’t understand your business income assess your home loan application?

Experience matters.

Rate Money Southern Highlands / South Coast are experienced lending Managers and self-employed home loan experts.

09/03/2026

Join us on the road while we talk all things commercial.

We’re here to make your commercial dreams possible.

Want to learn more? Contact our team at Rate Money Southern highlands / South Coast today.

04/03/2026

Meet Kieran, a self‑employed Aussie who got the support he needed to make his home loan journey a lot easier. We’re here to back you so you don’t have to do it alone.

Last week Scott and Matt spent three days in Adelaide at the Rate Money annual conference. The Rate Money annual confere...
26/02/2026

Last week Scott and Matt spent three days in Adelaide at the Rate Money annual conference.

The Rate Money annual conference is more than a catch-up. It’s where we align on what’s ahead, share what’s working, learn from each other and recognise the people driving real impact across our network.

From practical sessions to shared dinners and celebrating our standout achievers, it was a week full of connections momentum and pride!

Meet your local: Rate Money Southern Highlands Led by Scott Morton, our Southern Highlands branch brings specialised hom...
19/02/2026

Meet your local: Rate Money Southern Highlands

Led by Scott Morton, our Southern Highlands branch brings specialised home loan solutions to the region’s self-employed community, with deep local knowledge and decades of financial services experience.

Proudly supporting clients across Bowral, Moss Vale, Mittagong, Burradoo, Nowra and the greater Highlands region.

💪 Don’t Loan Alone.

Address

Adelaide, SA

Website

https://ratemoney.com.au/nowra-branch

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