Rate Money - Logan

Rate Money - Logan Don't Loan Alone. Tailored loans for self-employed Aussies. Logan, QLD
🌐ratemoney.com.au/logan-branch

Meet Julie Lawrence, the dynamic franchise owner of Rate Money. With over 30 years of experience in the finance industry, Julie’s expertise is unparalleled. Her impressive career includes 16 years with RAMS Home Loans and 15 years with NAB, where she honed her skills and developed a deep passion for helping clients achieve their financial goals. Julie leads a dedicated team that shares her commitm

ent to exceptional service and client satisfaction. Each team member brings their own expertise and enthusiasm to ensure that every client receives the best possible support and guidance. At Rate Money, Julie and her team are driven by a single mission: to make your financial journey as smooth and successful as possible. Experience the difference with Rate Money—where expertise meets genuine care.

Planning to purchase a property soon? Let's chat before you make any changes to your existing credit commitments.If you'...
03/09/2026

Planning to purchase a property soon? Let's chat before you make any changes to your existing credit commitments.

If you're planning to apply for a home loan, it's important to consider how any new credit facilities may impact your borrowing capacity.

Lenders generally assess your total available credit limits, rather than simply looking at the amount you currently owe. This means that even if a credit card has a $0 balance, the available limit may still be factored into your overall borrowing assessment.

Before applying for a new credit card, it's worth speaking with your mortgage broker to understand how it could affect your borrowing position and future home loan plans.

💪 Don’t Loan Alone. Chat with our team.
☎ 07 3106 4030
💻 [email protected]

31/08/2026

Could your savings be working harder?

If you're keeping money in a regular savings account, it might be worth checking whether an offset account could benefit you.

An offset account can help reduce the interest charged on your home loan while still giving you access to your funds when you need them.

Not sure if your loan has one? Let's chat.

💪 Don’t Loan Alone. Chat with our team.
☎ 07 3106 4030
💻 [email protected]

31/08/2026

🏡 What Does LVR Mean?

LVR (Loan to Value Ratio) is the percentage of a property's value that you're borrowing from the lender.

Example:
🏠 Property Value: $500,000
💰 Deposit: $100,000
🏦 Loan Amount: $400,000

Your LVR would be 80% because you're borrowing 80% of the property's value.

Why does it matter?

✅ A lower LVR can mean a stronger loan application
✅ Borrowers with an LVR of 80% or less may avoid paying Lenders Mortgage Insurance (LMI)
✅ A higher LVR means you're borrowing more and may have additional costs to consider

Understanding your LVR is an important step when planning your home purchase and working out how much deposit you'll need.

📞 Want to know your borrowing options? Talk to the team at Rate Money Logan.

💪 Don't Loan Alone. Chat with our team.
☎ 07 3106 4030
💻 [email protected]

28/08/2026

🏡 What Is a Fully Documented Home Loan?

A Fully Documented (Full Doc) Home Loan is the most common type of home loan, where borrowers provide standard financial documents to verify their income and financial position.

Typically, lenders will request:
✅ Recent payslip's or tax returns
✅ PAYG summaries or income statements
✅ Bank statements
✅ Evidence of assets and liabilities

Full Doc loans are generally suited to PAYG employees and self-employed borrowers with up-to-date financial records.

The benefit? Borrowers who meet the lender's requirements may have access to a wider range of loan options and competitive interest rates.

📞 Want to know which home loan is right for you?
Talk to the team at Rate Money Logan.

💪 Don't Loan Alone.
☎ 07 3106 4030
💻 [email protected]

25/08/2026

🏡 Self-employed? Home ownership could be closer than you think.

If you're a tradie, contractor, freelancer, or small business owner, an Alt Doc home loan may help you secure finance without the traditional paperwork requirements.

Using documents such as BAS statements, bank statements, or an accountant's declaration, you may be able to verify your income and access a loan tailored to your situation.

📞 Get in touch with the team at Rate Money Logan to explore your options.

💪 Don't Loan Alone. Chat with our team.
☎ 07 3106 4030
💻 [email protected]

20/08/2026

🏢 Turn Your Rent Into Retirement Wealth

Did you know your SMSF may be able to purchase a commercial property and lease it back to your business at market rates? That means your rent could be helping build your super, rather than a third-party landlord's wealth.

If you want to know more, our team at Rate Money Logan are here to help!

💪 Don’t Loan Alone. Chat with our team.

☎ 07 3106 4030

💻 [email protected]

For experienced investors and business owners, securing finance can sometimes become more challenging when traditional l...
18/08/2026

For experienced investors and business owners, securing finance can sometimes become more challenging when traditional lending criteria don’t align with more complex financial structures.

Changes to lending policies have made it increasingly important to work with a lender and broker who understand situations involving:

✔️ Company structures
✔️ Trusts
✔️ Multiple income streams
✔️ Self-employed borrowers
✔️ More complex financial arrangements

At Rate Money Logan, we work with borrowers every day who have more complex financial circumstances. Depending on the lender and individual situation, there may be flexible options available for verifying income, which can include documentation such as BAS statements or accountant declarations.

Our experienced team takes the time to understand your individual circumstances, unpack the complexities and explore the lending options that may be available to you.

If your financial situation isn’t straightforward, that doesn’t necessarily mean your lending options are limited.

Thinking about your next investment, business venture or property purchase?

Let’s have a conversation and explore your options.

💪 Don’t Loan Alone. Chat with our team.
☎ 07 3106 4030
💻 [email protected]

17/08/2026

🏢 Commercial Lending Made Simple with Rate Money Logan

Whether you're purchasing a commercial property, refinancing existing debt, expanding your business, or investing in commercial real estate, the right finance solution can make a significant difference.

At Rate Money Logan, we help business owners and investors navigate commercial lending with confidence.

💪 Don’t Loan Alone. Chat with our team.
☎ 07 3106 4030
💻 [email protected]

15/08/2026

💰 What Is Equity?

Equity is the difference between the value of your property and the amount you still owe on your home loan.

Example:
🏠 Property Value: $700,000
🏦 Home Loan Balance: $450,000

✅ Your Equity = $250,000

As your property value increases and you pay down your loan, your equity can grow over time.

Why is equity important?

✔️ It can help you purchase an investment property
✔️ It may be used for renovations or home improvements
✔️ It can provide opportunities to build wealth through property

Understanding how much equity you have can help you make informed decisions about your financial future.

📞 Want to know how much equity is in your home?
Talk to the team at Rate Money Logan.

💪 Don't Loan Alone. Chat with our team.
☎ 07 3106 4030
💻 [email protected]

12/08/2026

🏡 What's the difference between LMI and a Risk Fee?

They both help borrowers get into a home with a smaller deposit, but they're not the same thing.

✅ LMI (Lenders Mortgage Insurance)
Protects the lender if a borrower can't repay the loan. Usually applies when borrowing more than 80% of the property's value.

✅ Risk Fee
Some lenders charge a one-off fee instead of LMI.

💡 Every lender is different, and the right option depends on your situation.

Our team at Rate Money Logan are here to help, through every step of the process.

Get in touch: 07 3106 4030
💻 [email protected]

Address

1a/195 Bryants Road
Loganholme, QLD
4129

Telephone

+61402561156

Website

Alerts

Be the first to know and let us send you an email when Rate Money - Logan posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category