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.

When did you last review your home loan? If it's been more than a year or two, it might be time for a check up.Reasons t...
18/06/2026

When did you last review your home loan? If it's been more than a year or two, it might be time for a check up.

Reasons to consider refinancing:
➡️ You're paying unnecessary fees
➡️ Your financial situation has improved
➡️ Your current loan lacks features you now need
➡️ Interest rates have changed since you first borrowed
➡️ You want to access equity for investments or renovations

A loan review involves:
✅ Analysing your current loan terms and conditions
✅ Comparing available market options
✅ Calculating potential savings
✅ Considering your future financial goals

Sometimes staying put is the right choice, other times a change can save you big time.

Let's review your situation together.


Choosing a family home? Keep these key features in mind:1. Neighbourhood safety: Peace of mind for family living2. Schoo...
15/06/2026

Choosing a family home? Keep these key features in mind:

1. Neighbourhood safety: Peace of mind for family living
2. School zones: Ensures access to quality education
3. Room to grow: More space means fewer moves
4. Local amenities: Nearby parks, shops, and healthcare
5. Transport links: Makes commuting easier



Planning to buy property? Avoid these very common pitfalls:1. Overlooking additional costs: Remember, it's not just the ...
13/06/2026

Planning to buy property? Avoid these very common pitfalls:

1. Overlooking additional costs: Remember, it's not just the price tag –consider stamp duty, legal fees, and moving costs.

2. Skipping pre-approval: Getting pre-approved for finance positions you as a serious buyer and gives you a clear budget.

3. Ignoring future needs: Think long-term about home size, location, and amenities. Will it still suit you in five years?

4. Being too casual with the inspection: Always get a professional inspection to avoid expensive surprises.

5. Falling for love at first sight: Don’t let a beautiful facade blind you to potential issues. Always look deeper.

6. Not researching the neighbourhood: Understand local schools, transport, amenities, and how this will suit your lifestyle.

7. Rushing to bid: Take your time, think it through. Now is not the time to rush in!

Happy house hunting!


Relocating to the coast or countryside can be life-changing, but it’s important to consider:- Travel times for work and ...
10/06/2026

Relocating to the coast or countryside can be life-changing, but it’s important to consider:
- Travel times for work and family
- Lifestyle costs in your new area
- Local market trends
We’ll help you plan your move with confidence – reach out to learn how.


When you take out a mortgage, you will choose a variable, fixed or split interest rate. We’ll look at the pros and cons ...
08/06/2026

When you take out a mortgage, you will choose a variable, fixed or split interest rate. We’ll look at the pros and cons of a variable rate home loan.

A variable home loan is a loan in which the interest rate varies over time. It can go up or down depending on the market and the RBAs official cash rate.

Potential advantages:
- Flexible loan features
- Interest rate cuts
- Ease of switching loans

Potential disadvantages:
- Interest rate rises
- Budgeting challenges

When deciding if a variable rate mortgage is right for you, consider your financial situation and personal attitudes.

Get in touch with us today for help working out the right loan structure for your unique situation and goals.


"A house is made of bricks and beams, a home is made of hopes and dreams" 🏠✨ Let us help you find your dream home 💭 ...
06/06/2026

"A house is made of bricks and beams, a home is made of hopes and dreams" 🏠✨

Let us help you find your dream home 💭


Here are five questions to help you choose the right mortgage broker:- What are your qualifications?Make sure you choose...
03/06/2026

Here are five questions to help you choose the right mortgage broker:

- What are your qualifications?
Make sure you choose a broker who is qualified and has the necessary experience to provide you with the guidance you need.

- Who's your ideal client?
Look for a broker who specialises in – and loves – helping people just like you.

- How do you get paid?
It's important to understand how your broker gets paid.

- Can you provide reviews?
Look at feedback from previous clients to get a sense of the broker's track record.

- Do you understand my goals?
Choose a broker who takes the time to understand your unique situation and works with you to develop a plan that meets your needs and goals.


Did you know you can use your super to buy investment property?SMSF property investment can be powerful, but it comes wi...
01/06/2026

Did you know you can use your super to buy investment property?

SMSF property investment can be powerful, but it comes with strict rules. Here's what you need to know.


Life changes, and sometimes your home needs to change with it.Perhaps you're:👉 Ready for a lifestyle change👉 Welcoming a...
30/05/2026

Life changes, and sometimes your home needs to change with it.

Perhaps you're:
👉 Ready for a lifestyle change
👉 Welcoming a new family member
👉 Seeking better schools or amenities
👉 Looking for more space to work from home

Upgrading your home involves careful planning around timing, finance, and strategy. We'll help you:
✅ Assess your current equity position
✅ Explore your current borrowing options
✅ Plan for a smooth transition between properties

Every situation is different, so we'll work closely with you to find the approach that will serve your best interests.


If you're ready to move from your first home to your forever home, there are steps you can take to optimise the process....
28/05/2026

If you're ready to move from your first home to your forever home, there are steps you can take to optimise the process.

Less stress, while achieving a better outcome.


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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