Rate Money Chelsea

Rate Money Chelsea Helping clients buy, invest in property, or refinance with clear guidance and tailored loan options.

💡Turn Your Good Repayment History into a Better RateIf you’ve had your home loan for 12+ months and kept up with repayme...
30/03/2026

💡Turn Your Good Repayment History into a Better Rate

If you’ve had your home loan for 12+ months and kept up with repayments, you may be in a strong position to refinance — and save.

With our Dollar-for-Dollar Refinance, eligible borrowers can move from Alt Doc to sharper Full Doc rates — without the usual servicing hurdles.

✔ Been in an Alt Doc loan for 12+ months
✔ Maintained a strong repayment history
✔ Looking for a better, more competitive rate

This could be your opportunity.

🚀 Why consider this option?

• Simple and fast refinance process
• Potential access to Prime pricing
• No unnecessary complexity
• Designed for self-employed borrowers

Your repayment history is more powerful than you think — now it can work in your favour.

📞 Get in touch with Rate Money Chelsea today to check your eligibility in minutes.

Ready to Simplify Your Finances?At Rate Money, we specialise in supporting Australia’s self-employed. We understand the ...
26/03/2026

Ready to Simplify Your Finances?

At Rate Money, we specialise in supporting Australia’s self-employed. We understand the challenges of managing multiple income streams, which is why we carefully assess your full financial position to secure the most suitable refinancing solution for you.

Consolidate your high-interest debts into a single, low-interest home loan — and potentially save thousands while improving your cash flow.

The Rate Money Advantage for refinancing your home loan:

✔ Cash-out options to clear personal or business debts
✔ Flexible Alt Doc & Full Doc loan solutions
✔ Competitive, market-leading interest rates

We can help you consolidate:
• ATO debt
• Private loans
• Business loans
• Credit cards
• Car loans

Live your dream — get in touch with Rate Money Chelsea today.

Self-employed and thinking about buying a home?A low doc home loan could be the solution you’ve been looking for. Design...
18/03/2026

Self-employed and thinking about buying a home?

A low doc home loan could be the solution you’ve been looking for. Designed for tradies, contractors, and business owners, it offers a flexible way to secure finance—even if your tax returns aren’t up to date.

📊 With options to verify income using BAS, bank statements, or an accountant’s letter, you can move forward sooner without the usual paperwork stress.

🏡 It’s not about cutting corners—it’s about finding the right pathway that works for your business and lifestyle.

✨ Ready to explore your options? Let’s chat and make your home ownership goals a reality.



Who Qualifies? https://ratemoney.com.au/news/what-is-a-low-doc-home-loan-and-who-qualifies?fbclid=IwY2xjawQnEqdleHRuA2FlbQIxMQBzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEexygNy7FSYF8FedpuNOqxJuI_sOC3upppnvdV7sMFYcj62afpVpeBNmP1ZyM_aem_20If1Cnxe6bctzpA2fpmSw

🏡 Refinancing Doesn’t Have to Be ComplicatedAt Rate Money, we back the ones who back themselves. 💪We understand the chal...
08/03/2026

🏡 Refinancing Doesn’t Have to Be Complicated

At Rate Money, we back the ones who back themselves. 💪
We understand the challenges of juggling multiple income streams, which is why we assess your income carefully to structure refinancing options that work for your unique financial situation.

Why consider refinancing?

✔ Reduce your monthly repayments
✔ Access cash-out
✔ Consolidate multiple debts into one simple loan
✔ Improve cash flow and financial control

The Rate Money Advantage

• Cash-out options to pay off personal or business expenses
• No risk, application, or valuation fees
• Alt Doc & Full Doc loan options designed for self-employed borrowers
• Competitive, market-leading interest rates

You may also be able to consolidate existing debts, including:
🔹 ATO debt
🔹 Private debt
🔹 Business loans
🔹 Credit cards
🔹 Car loans

Imagine the ease of managing one loan instead of multiple repayments. By consolidating your debts, you can simplify your finances, free up cash flow, and bring greater control back to your budget.

Ready to simplify your finances and explore smarter refinancing options?
Get in touch today and take control of your home loan.

Self-employed? You’re in the right place.Owning a business shouldn’t make securing a loan more difficult.That’s exactly ...
30/01/2026

Self-employed? You’re in the right place.

Owning a business shouldn’t make securing a loan more difficult.

That’s exactly why Rate Money is here 👇

✔ Built for self-employed borrowers
Low Doc loan solutions designed around how you earn

✔ Fewer hurdles, better outcomes
We handle the paperwork and push for the best possible approval

✔ Clear and transparent costs
No LMI, application, or valuation fees (conditions apply)

✔ Proven, award-winning team
Experienced professionals supporting self-employed Australians daily

Looking to buy, invest, or refinance?
📩 Reach out for a chat — you don’t have to do it alone.

There's nothing we love more than helping our clients have their dream home! Thanks for the great review Harpreet! 😊
26/08/2025

There's nothing we love more than helping our clients have their dream home! Thanks for the great review Harpreet! 😊

22/08/2025

😮 The average Australian home is now $1 million* 😮⁣
⁣
A big driver of the recent price growth is the latest rate cuts – plus expectations of more to come^.⁣
⁣
And it may not end there. ⁣
⁣
Experts at PropTrack say tight housing supply and population growth could push prices higher. ⁣
⁣
DM us to find out if you've got the borrowing power for your first (or next) home purchase. 💪⁣
⁣
To find out more, contact Your Choice Brokerage on:

☎️ – 0430 175 970
💻 – [email protected]


⁣
* Australian Bureau of Statistics⁣
^ CoreLogic

👍 The pros and cons of interest-only home loans 👎⁣⁣You may have seen that one lender recently launched a 10-year interes...
20/08/2025

👍 The pros and cons of interest-only home loans 👎⁣
⁣
You may have seen that one lender recently launched a 10-year interest-only home loan for eligible borrowers.⁣
⁣
So what's that all about? 🤔⁣
⁣
Paying interest-only could lower your monthly repayments. So it can be handy if your budget is tight. 👍⁣
⁣
The catch is that you don’t make inroads into the loan balance during that time.⁣
⁣
You could even end up paying more in interest over the life of the loan compared to principal and interest repayments.⁣
⁣
But if property values go up over the loan term, potentially so does your equity in the property (but vice versa if values go down!).⁣
⁣
Not sure which way to go?⁣
⁣
Get in touch and we can run you through your options. 👇⁣
⁣
To find out more, contact Your Choice Brokerage on:

☎️ – 0430 175 970
💻 – [email protected]

🤔 Could your credit card impact your home-buying plans? 🤔⁣⁣Your credit card may be small in size. ⁣⁣But it could still h...
18/08/2025

🤔 Could your credit card impact your home-buying plans? 🤔⁣
⁣
Your credit card may be small in size. ⁣
⁣
But it could still have a big impact on your home buying plans if you have one, or multiple, credit cards with a high credit limit.⁣
⁣
That's because when lenders assess your borrowing power they tend to look at your credit card limit – not the current card balance.⁣
⁣
The bigger the credit limit, the bigger the potential impact on the amount that you can borrow. 😅⁣
⁣
And that applies for each credit card you or your partner have open - even if the amount you owe is $0.⁣
⁣
So what could you do? 🧐⁣
⁣
Well, if you’re not planning to use your card’s full limit, you could consider lowering it (or even closing the account completely).⁣
⁣
This could increase your borrowing power and potentially get you over the line for the home loan of your choice. 👍⁣
⁣
To find out more, contact Your Choice Brokerage on:

☎️ – 0430 175 970
💻 – [email protected]

14/08/2025

📈 What’s driving the surge in property investors? 📈⁣
⁣
New investor loans are close to highs not seen in a decade*. Here’s a few reasons why:⁣
⁣
✅ Rents have been rising and are expected to continue^⁣
✅ Prospects for capital gains*⁣
✅ We've had 2 rate cuts this year and there are hopes of more to come. ⁣
⁣
DM us to explore your property investor finance options. 👇⁣
⁣
To find out more, contact Your Choice Brokerage on:

☎️ – 0430 175 970
💻 – [email protected]


⁣
* PropTrack data⁣
** REA Group

Making your life easier is our number one priority! Thanks for the review Cristhian! 😁
14/08/2025

Making your life easier is our number one priority! Thanks for the review Cristhian! 😁

Address

394-395 Nepean Highway
Chelsea, VIC
3196

Telephone

+61430175970

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