Adam Baker - Mortgage Broker - RateOne

Adam Baker - Mortgage Broker - RateOne Financial Relationship Manager based in Bacchus Marsh, helping people with their mortgage and finance

Adam Baker of Rate One is your local trusted mortgage broker based right here in Bacchus Marsh. Offer a personal touch and professional service, where the client comes first. Specialising in a large range of services such as; Home Loans, Investment Loans, Self-Employed Loans, Refinance Loans, Purchase Loans, Residential Mortgages and Personal Loans. We are specialists in home purchase loans and he

lp you with every step, to ensure the best possible option from an array of lenders. Based in Bacchus Marsh, we service clients throughout Melbourne’s western suburbs and regional Vic, perfectly located for Ballan, Greendale, Gordon, Melton, Brookfield, Kurunjang, Cooblebank, Taylors Hill, Caroline Springs, Ballarat and all surrounding areas.

Make 2026 the year you get your finances in order 💪🏼💰Being in control of your money will open you up to more opportuniti...
31/08/2026

Make 2026 the year you get your finances in order 💪🏼💰

Being in control of your money will open you up to more opportunities to:
– Reach your savings goals
– Buy your ideal home
– Invest in property

What big goals are you planning to achieve this year?


Thinking an extra 0.5% won't make much of a difference to your monthly home loan repayments?Think again. We're not sayin...
29/08/2026

Thinking an extra 0.5% won't make much of a difference to your monthly home loan repayments?

Think again.

We're not saying the interest rate is the most important feature of a home loan, but we'll always advocate for the most competitive rate for you – weighing up your overarching property strategy, of course.

Get in touch and we'll help you understand your options.


If you have plans to build your property portfolio, you need to be clear on your objectives.If your goal is to make a pr...
28/08/2026

If you have plans to build your property portfolio, you need to be clear on your objectives.

If your goal is to make a profit through capital gains – that is, selling the property one day for profit – you'll want to focus on properties in areas that are experiencing growth and rising property values.

On the other hand, if establishing consistent rental income is your priority, you may want to focus on properties in areas with strong rental demand, low vacancy rates, and low property taxes.

While we can't advise you on which property to buy, we have the experience and expertise to help you secure a mortgage product that will meet your investment goals.

So, whether you're a seasoned investor or just starting out, let's work together to make your property investment dreams a reality!


You definitely don't want to apply for 10,000 home loans before getting to 'Yes'. In fact, it's not ever worth applying ...
26/08/2026

You definitely don't want to apply for 10,000 home loans before getting to 'Yes'.

In fact, it's not ever worth applying for more than one credit facility at a time.

The reason being is that each time you apply for credit – whether it's for a credit card, car loan, or mortgage – your application gets recorded on your credit file.

If Bank A sees that you've applied with Bank B, they might hesitate to approve you.

Instead of trying to hedge your bets by applying with multiple lenders, get in touch with us for insight into what the lenders are looking for.


Building your own home gives you the opportunity to create something truly tailored to your lifestyle and needs.Construc...
22/08/2026

Building your own home gives you the opportunity to create something truly tailored to your lifestyle and needs.

Construction finance works differently from a standard home loan:
👉 You typically pay interest-only during the build
👉 We coordinate with your builder on progress payments
👉 Funds are released in stages as construction progresses
👉 The loan converts to principal and interest once the build is complete

The key to a successful build is having the right people and processes in place:
📝 Clear contracts and timelines
🏦 Appropriate finance structure
👷 An experienced builder with a solid track record
💬 Regular communication throughout the process

We'll help you navigate the complexities so you can focus on bringing your vision to life.

Ready to start building?


Before you choose an investment property, here are some of the criteria worth considering:📍 Location: Always the golden ...
19/08/2026

Before you choose an investment property, here are some of the criteria worth considering:

📍 Location: Always the golden rule in real estate
👪🏼 Tenant demand: High demand areas mean fewer vacancies
✅ Future growth: Research planned developments or upgrades
📈 Rental yield: Calculate your potential return on investment
💎 Property condition: Minimise upfront repair costs.

And if you'd like to understand your lending options to fund your property strategy, reach out to speak with one of our brokers.


We’re not here to ‘sell’ loans. We’re here to help you find the right one – for your life, not just your lender.Whether ...
17/08/2026

We’re not here to ‘sell’ loans. We’re here to help you find the right one – for your life, not just your lender.

Whether you're ready to act or are still exploring, we’ll help you move forward with confidence.

Book a chat today – no obligation, just clarity.



Myth busted! Many people think applying for lots of loans will increase their odds of approval. In reality, multiple app...
14/08/2026

Myth busted! Many people think applying for lots of loans will increase their odds of approval. In reality, multiple applications in a short time can hurt your credit score and make lenders cautious about providing finance to you.

Instead of applying everywhere and hoping for the best, it’s smarter to get it right the first time with a well prepared application. Quality over quantity is key when it comes to loan applications. A broker (like us!) can help by matching you to a lender that suits your situation, so you only apply once with the best chance possible.

Save yourself the headache and protect your credit score – one solid application beats five shaky ones any day.


Thinking about an investment property? Investing in property isn’t just for the pros. Whether you’re looking to build a ...
12/08/2026

Thinking about an investment property?

Investing in property isn’t just for the pros. Whether you’re looking to build a rental portfolio or secure a property for future growth, we’ll help you navigate the market with confidence.

We’ve got the expertise you need to secure funding to climb the property ladder.

Ready to start building wealth? Get in touch to explore your options.


Tired of compromising on other people's design choices? Perhaps it's time to bring your dream home to life?Construction ...
31/07/2026

Tired of compromising on other people's design choices? Perhaps it's time to bring your dream home to life?

Construction loans aren't as scary as they sound:
🎯 You only pay interest on what's been built
🎯 We handle the complex progress payments
🎯 Your deposit works harder during construction
🎯 You get exactly what you want, where you want it

From knockdown-rebuild to that perfect block of land you've been eyeing – we'll make the finance part simple so you can focus on creating your perfect home.

Ready to stop settling and start building?


Address

2 Grant Street
Bacchus Marsh, VIC
3340

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 10am - 1pm

Telephone

+61343111900

Website

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