Michael Johnson at Rate Money

Michael Johnson at Rate Money Director of Rate Money The Hills Many of whom are actually mortgage brokers themselves. Neither are their needs.

As Rate Money’s first-ever Branch Principal, Michael is justifiably of the incredibly strong and mutually beneficial partnership that he and his team at Rate Money, The Hills, have built with their local referrers over the last two and a half years. Says Michael;,
“The best part of my job is helping mortgage brokers build their own businesses by offering their customers access to Rate Money’s incr

edible range of lending solutions for the Self-Employed.”
The Hills branch stands a shining example of just why Rate Money continues its meteoric rise as a mortgage manager. Indeed, Rate Money has now settled well over $2 Billion worth of loans in its short history. And as “The Branch of the Year – 2021” Michael and his team realise that every Self-Employed client has their own unique set of circumstance that rarely fit into the regular ‘boxes’ that banks may love but customers rarely do. However, The Hills branch relish this challenge.
“No two Self-Employed clients are ever the same. But regardless of whether they’re after an Easy-doc home loan, a commercial property loan, an SMSF loan, investment loan or even an NDIS property investment loan we’ll do our very best to get them the loan they need at a rate they’ll love.”
Which is just one of the many reasons why Rate Money, The Hills, is the go-to destination for Self-Employed mortgages in this rapidly expanding area of Australia.

Elevate is one of Rate Money's most popular funders and, if you read up on my summary of easy doc niches in the article ...
07/04/2026

Elevate is one of Rate Money's most popular funders and, if you read up on my summary of easy doc niches in the article below, you'll know why.

Any questions, scenarios or applications you may have that might fit under Elevate, please feel free to run them by me on ☎️ 0455 559 121.

Thought to send out a quick reminder about Elevate's Easy Doc Vacant Land and Construction products. We're excited to se...
04/03/2026

Thought to send out a quick reminder about Elevate's Easy Doc Vacant Land and Construction products. We're excited to see this product offering grow with welcome additions. More info in my article below.

If you'd like to chat in more detail, feel free to give me a buzz on ☎️ 0455 559 121.

As self-employed business owners ourselves, we know how overwhelming it can be to apply for a loan and complete what see...
27/01/2026

As self-employed business owners ourselves, we know how overwhelming it can be to apply for a loan and complete what seems to be a never-ending pile of paperwork, only to be turned down by big banks because its "too hard".

At Rate Money, we love to back Australia's self-employed with tailored home loan solutions, getting to 'yes' with less stress.

If you have any feedback that you would love to give to us based on your experiences with our customer service or Rate Money products, send me an email at [email protected].

Any feedback is welcome ☺️

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*Google review captured as of 22/01/2026

22/01/2026

Is 2026 the year you make your move into your own home? 🏡

Owning a home as a self-employed Aussie doesn’t have to feel out of reach. With home loans designed for the self-employed, we’re here to help you get approved.

More mate than bank, we’ve got your back.

Looking for tailored construction loan solutions? Rate Money can help! Check out one of our latest Google* reviews from ...
13/01/2026

Looking for tailored construction loan solutions? Rate Money can help! Check out one of our latest Google* reviews from a valued customer who approached us for help with securing a loan for a new home build. And if you don't have your latest financials ready just yet, don't stress. Rate Money has alt doc construction options available too!

If you have any feedback that you would love to give to us based on your experiences with our customer service or Rate Money products, send me an email at [email protected].

Any feedback is welcome ☺️

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*Google review captured as of 13/01/2026

Happy New Year 🎉 May 2026 bring you & your family continued happiness, health and  prosperity!
01/01/2026

Happy New Year 🎉 May 2026 bring you & your family continued happiness, health and prosperity!

Wishing you a safe and joyous holiday season, from our Rate Money family to yours!
24/12/2025

Wishing you a safe and joyous holiday season, from our Rate Money family to yours!

Check out one of our latest Google* reviews from a valued customer we recently helped with their finance restructure. Ra...
17/12/2025

Check out one of our latest Google* reviews from a valued customer we recently helped with their finance restructure. Rate Money can provide you flexible refinancing options tailored to your unique financial needs, so if you're looking to unlock the equity in your home loan or consolidate your debts, get in touch with me today!

If you have any feedback that you would love to give to us based on your experiences with our customer service or Rate Money products, send me an email at [email protected].

Any feedback is welcome ☺️

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*Google review captured as of 2/12/2025

Rate Money has an extensive suite of loan products and niche features, so if you're facing barriers or dead ends with tr...
10/12/2025

Rate Money has an extensive suite of loan products and niche features, so if you're facing barriers or dead ends with traditional lenders, please reach out to me! Our team at Rate Money The Hills can help take off some of the stress that comes with applying for a loan and assist you through the paperwork, loan process and all the way through to settlement. Check out one of our latest Google* reviews from one of our valued customers!

If you're a broker interested in registering as a referral partner with us at Rate Money The Hills, please feel free to reach out to me at [email protected] to start on our simple accreditation process.
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*Google review captured as of 2/12/2025

Check out one of our latest Google* reviews from one of our valued customers! Our team at Rate Money The Hills is here t...
03/12/2025

Check out one of our latest Google* reviews from one of our valued customers! Our team at Rate Money The Hills is here to help take the stress out of applying for a loan with our tailored home loan solutions that put you first.

If you have any feedback that you would love to give to us based on your experiences with our customer service or Rate Money products, send me an email at [email protected].

Any feedback is welcome ☺️

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*Google review captured as of 2/12/2025

27/11/2025

You can trust Rate Money with trusts! 🤝

Just the other week, many lenders including CBA and Macquarie announced the tightening of their policies on trust- and company-borrowing structures. These lenders have either walked away entirely from this type of lending altogether or, if still accepting, borrowers are required to be referred via personal banking departments or already have existing lending facilities with the institution for at least 6 months. And that's just the start. There are also restrictions on minimum loan amounts and, on top of that, their SLAs exceed 10 business days for assessment only.

I thought to remind everyone that Rate Money still welcomes these types of borrower structures and many more:
- Self Employed
- Loans via Company ownership structure
- Loans via Trust ownership structure
- Applicants with various directorships
- Property investors with multiple property assets
- SMSF

If you or your customers' applications have been shut down based on the above recent policy changes on trust and/or company structures, please reach out to me on 0455 559 121 and we'll chat about the solutions Rate Money can offer to you.

Cheers,

Send a message to learn more

Address

12/11-13 Brookhollow Avenue, Norwest
Sydney, NSW
2153

Opening Hours

Monday 9am - 4:30pm
Tuesday 9am - 4:30pm
Wednesday 9am - 9:30am
10:30am - 4:30pm
Thursday 9am - 4:30pm
Friday 9am - 4:30pm

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