Rate Money Aspley

02/06/2026

Self-employed and finding it difficult to qualify for a home loan?

Many business owners, tradies and contractors assume they need two years of tax returns before a lender will consider their application. The reality is that there are lenders who can assess income using alternative documentation such as BAS statements, accountant declarations and business bank statements.

An Alt Doc home loan may be an option if your business is performing well but your tax returns don't tell the full story.

Every funder has different requirements, and not every Alt Doc loan is the same. That's why it pays to have someone in your corner who understands which funders are open to different self-employed scenarios.

If you're self-employed and unsure where you stand, feel free to reach out for an obligation-free chat.

📞 Nicole Palazzi
📍 Rate Money Aspley
💬 Helping self-employed Australians navigate the home loan process

28/05/2026

A minute with Nicole - Tax Debt getting you down?

Australia’s tax debt problem is growing rapidly, and more business owners and individuals are feeling the pressure than ever before.
What many people don’t realise is that tax debt doesn’t have to control your cash flow or stop you from moving forward. In some cases, consolidating ATO debt into a structured lending solution can reduce monthly pressure, simplify finances, and help get things back on track.

At Rate Money Aspley, we help clients explore options around:
• Tax debt consolidation
• Refinancing existing loans
• Cash flow improvement
• Self-employed and complex lending scenarios
Every situation is different, but having the right advice and a plan in place can make a huge difference.
If you’re feeling the pressure from ATO debt or want to understand what options may be available, feel free to reach out for a confidential chat.
Nicole 0439 799 966

27/05/2026

27/05/2026

Behind the scenes with our favourite furry friends 🐾

20/05/2026

Nothing means more to us than hearing that our clients felt supported throughout their finance journey.

Thank you to our amazing clients for trusting the team at Rate Money Aspley. We pride ourselves on clear communication, genuine support and making the process as stress free as possible from start to finish.

We truly appreciate every referral, review and recommendation ❤️

19/05/2026

With ongoing discussion around negative gearing and capital gains tax changes, many aspiring investors are feeling uncertain about how , or when , to enter the market. The reality is that opportunities still exist, but having the right structure, lending strategy and professional guidance around you is becoming more important than ever.

I’m speaking with a lot of clients at the moment who are trying to understand what potential policy changes could mean for their borrowing capacity, cash flow and long-term investment plans.

Whether you are looking to purchase your first investment property or grow an existing portfolio, understanding your options early can make a significant difference.

In a changing market, informed investors are often the ones best positioned to take advantage of opportunities as they arise.

Give us a call to discuss on 0439 799 966.

18/05/2026

Welcome to the Team, Mike Anders!

We’re excited to officially welcome Mike Anders to Rate Money Aspley as our newest Lending Manager.

Mike brings a powerful combination of executive leadership, commercial acumen, and strategic finance expertise. Over the course of his career, he has held senior leadership roles responsible for driving business growth, leading high-performing teams, and helping organisations scale revenue and profitability.
Mike joins our team as a specialist in complex lending solutions, with a particular focus on:
✅ ATO Debt Consolidation
✅ Commercial Property Finance
✅ Self-Employed & Low Doc Lending
✅ SMSF Property Lending
✅ Capital Restructuring & Cash Flow Solutions

Whether you’re looking to purchase commercial property, consolidate tax debt, unlock equity, or restructure existing facilities to improve cash flow, Mike combines strategic thinking with practical lending expertise to help clients achieve their goals.
Please join us in welcoming Mike to the Rate Money Aspley team!
📞 If you’re self-employed or have a complex lending scenario, Mike would love to help. Give him a call on 0447 137 267

30/04/2026

A Minute with Nicole.
What does it mean when we talk about an Alt-Doc/Low-Doc?

30/04/2026

So grateful to our clients for their Google Reviews. Thank you, Jax, for your kind words, it really means a lot.

Helping people through this process, and seeing it turn into something positive for them and their family, is exactly why I love what I do. - Nicole.

"Why we chose Rate Money Aspley. What I thought was impossible, Nicole and Amie made happen. This is actually our second time coming back to them and once again they exceeded every expectation. From start to finish, they guided me and my family through the process with such professionalism, clarity, and care. Nothing was too much to ask.

What could have been one of the most stressful experiences was instead made easy and completely stress free. They both kept me updated at every step, explained everything in a way I could understand, and went above and beyond to secure an outcome I honestly never thought would be possible.

The added bonus of dealing with a local company that are available on the phone when needed made the whole process so much easier, no call centre, real people.

From the bottom of my heart . Thank you, Nicole and Amie. I am forever grateful for your hard work, your kindness and for getting us over the line to make our home buying dreams come true.

I absolutely recommend Rate Money Aspley as the first and only stop to anyone who wants to purchase or refinance their home. Nicole will make the whole process easy and stress free! Thank you!"

29/04/2026

Many people haven’t reviewed their home loan in years and that’s completely normal.

But recent reporting from The Australian*, suggests “around 1.2 million Australians could potentially be paying more than they need to, simply because they haven’t checked in on their loan”.

It doesn’t mean you need to make a change.

But it does mean it might be worth understanding where you stand.

Because life changes and your home loan should keep up with that.

Source: The Australian*
https://www.theaustralian.com.au/nation/12-million-australians-could-save-thousands-by-switching-lenders/news-story/dd49e6d8ac438c1de8cb3d09c386be44