Adam Baker - Mortgage Broker - RateOne

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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 help 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.

Lenders often save their sharpest rates for new customers. If you've had the same loan for a few years, there's a fair c...
15/10/2026

Lenders often save their sharpest rates for new customers. If you've had the same loan for a few years, there's a fair chance you're paying more than you need to.

Half a percent on a $550,000 loan is about $178 a month. That's over $2,000 a year for doing nothing different.

A rate review takes us about 15 minutes. Want us to take a look?


Two people can have the exact same income, deposit and property – and still need different loans.That’s where advice mat...
12/10/2026

Two people can have the exact same income, deposit and property – and still need different loans.

That’s where advice matters.
We match your loan to your life, not just the lender’s checklist.

Let’s talk about what you need from your lending solution.



Shame is the reason so many people wait years before asking for help with debt. By then, the options are fewer.Interest ...
09/10/2026

Shame is the reason so many people wait years before asking for help with debt. By then, the options are fewer.

Interest rates, timing, illness, a business that didn't work out. Most debt has a story behind it that has very little to do with character.

Free financial counselling is available through the National Debt Helpline on 1800 007 007. And when you're ready to look at your loans, we're here.


Your maximum borrowing power is a lender's number. Your comfortable borrowing amount is yours.On these numbers, borrowin...
07/10/2026

Your maximum borrowing power is a lender's number. Your comfortable borrowing amount is yours.

On these numbers, borrowing $80,000 less frees up about $480 a month. That might be your holiday money, a buffer for a rate rise, or the difference between a relaxed year and a stressful one.

We'll always show you both numbers.


A smaller deposit means a bigger loan and higher repayments. On a $700,000 home, about $630 a month more.But saving the ...
04/10/2026

A smaller deposit means a bigger loan and higher repayments. On a $700,000 home, about $630 a month more.

But saving the extra $105,000 for a 20% deposit could take around six years at $1,500 a month. Prices and rents don't stand still in that time.

Neither option is right for everyone. It comes down to what repayments feel comfortable, what you can save, and how soon you want to be in. Let's work through your numbers.


Pre-approval is a great step. It tells you roughly what you can spend and helps you bid with confidence.It isn't a guara...
02/10/2026

Pre-approval is a great step. It tells you roughly what you can spend and helps you bid with confidence.

It isn't a guarantee though. The lender still needs to be happy with the property and your circumstances before final approval. Check in with us before you bid so there are no surprises.


Is 2026 going to be the year you climb the property ladder? Sounds like a plan, but we bet you've got a whole heap of ot...
26/09/2026

Is 2026 going to be the year you climb the property ladder?

Sounds like a plan, but we bet you've got a whole heap of other tasks on your plate.

One of the biggest benefits of our service is that we take care of all the paperwork and guide you through the mortgage process from start to finish.

From completing the loan application to negotiating with lenders and handling the closing documents, we'll be with you every step of the way.

It's about saving you time and hassle, and giving you peace of mind knowing that a professional is handling your home loan.

Contact us and we'll make the mortgage process as seamless as possible.


If you've got plans to secure a home loan, then one of the most important pieces of advice we can give is to start the p...
25/09/2026

If you've got plans to secure a home loan, then one of the most important pieces of advice we can give is to start the process early.

Imagine getting to crunch time and missing out on your dream property because your finance isn't sorted, or having to go with your third choice of lender purely because they're the only ones who'll approve you in time. It happens!

Getting in touch with us sooner, rather than later, also means we can help you create the best impression with the lender - this preparation will ideally start months before you apply.

So, what are you waiting for?


Did you know your daily takeaway coffee habit adds up to over $2k/year?Great news is we have some better ways to save th...
23/09/2026

Did you know your daily takeaway coffee habit adds up to over $2k/year?

Great news is we have some better ways to save thousands every year, without giving up your caffeine fix.

Ask us how.⠀⠀⠀⠀⠀⠀⠀⠀⠀


Banks love a good acronym. Here are three you'll come across on your home buyer journey:LVR: Loan to Value Ratio is how ...
21/09/2026

Banks love a good acronym. Here are three you'll come across on your home buyer journey:

LVR: Loan to Value Ratio is how much you're borrowing compared to the value of the property (and accounting for all fees and taxes). An LVR of 80%, for instance, means you have a 20% deposit to contribute to the purchase once you've paid Stamp Duty and other costs.

LMI: Lenders Mortgage Insurance is what protects the bank on the off-chance you default on your loan before you've had a chance to build up your equity. Generally you'll have to take out this insurance if you have a smaller-than-usual deposit (as you'll be considered a bigger risk).

SVR: Standard Variable Rate is the interest rate of a lender's 'standard' home loan. These loan products usually include a lot of bells and whistles, and so will be more expensive than a basic variable loan.

Any questions on home loan jargon? Send us a DM.


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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