Rate Money - Fairfield

Rate Money - Fairfield Dont Loan Alone. Tailored homeloan solutions for the self-employed.
🌐ratemoney.com.au/fairfield

Time to cut through the paperwork and start working on your own home?We’ve got your back. With home loans designed for t...
01/09/2026

Time to cut through the paperwork and start working on your own home?

We’ve got your back. With home loans designed for the self-employed, Chris and his team here at Fairfield are on standby to help you get your loan approved.

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

When planning to buy a home, it's easy to focus on the purchase price and your deposit.But there can also be other upfro...
31/08/2026

When planning to buy a home, it's easy to focus on the purchase price and your deposit.

But there can also be other upfront costs to factor into your budget, depending on your individual circumstances.

These may include:
Stamp duty
Conveyancing or legal fees
Building and pest inspections
Loan establishment or valuation fees (where applicable)

Understanding these costs early can help you build a clearer picture of what's involved before you purchase.

Every property purchase is different, so taking the time to understand the full costs can make the process feel much more straightforward.

If you're planning your next move and would like to better understand your home loan options, we're always happy to have a conversation.

https://ratemoney.com.au/fairfield-branch

26/08/2026

Whether you're buying your first home, upgrading, investing or refinancing, understanding your numbers is a great place to start.

Our free home loan calculators can help you estimate things like:
👉 borrowing capacity
👉 repayments
👉 stamp duty
👉 refinancing costs

They're a simple way to start planning and give you a better understanding of what your next move might look like.

Try them here:
🌐 https://ratemoney.com.au/loan-calculators

This is one of the biggest misconceptions we hear from self-employed Aussies looking to get their foot in the door of th...
24/08/2026

This is one of the biggest misconceptions we hear from self-employed Aussies looking to get their foot in the door of the property market.

Depending on your circumstances, there may be other ways your income can be verified.

Every application is different, and factors such as your business structure, trading history and financial position can all influence what documentation may be required.

If you've been putting off your property goals because you think you don't have enough financial history, it may be worth finding out what options are available before ruling yourself out.

Don't Loan Alone.

- Chris
📞 02 8111 5962

When people hear commercial property, they often picture office towers and shopping centres.In reality, commercial prope...
23/08/2026

When people hear commercial property, they often picture office towers and shopping centres.

In reality, commercial property can include:

✔️ Warehouses
✔️ Industrial units
✔️ Medical suites
✔️ Retail shops
✔️ Mixed-use developments

For many business owners, owning the premises they operate from can become part of their long-term business strategy.

Commercial lending works differently to residential lending, so understanding how these loans are assessed is an important first step.

Whether you're expanding your business or exploring a commercial investment, knowing your options can help you make informed decisions.

Find out more: https://ratemoney.com.au/news/commercial-property-loans-explained or chat with our team ☎️ 02 8111 5962

When you are preparing to apply for a home loan, major financial changes can affect how your application is assessed.Som...
20/08/2026

When you are preparing to apply for a home loan, major financial changes can affect how your application is assessed.

Some things that can stand in your way are situations such as these:

• Changing jobs or moving into a new employment structure
• Buying a car or making large purchases on credit
• Applying for new credit cards or personal loans
• Missing repayments or paying bills late

These changes can affect your income position, liabilities, savings and overall borrowing capacity.

For self-employed Australians and business owners, stability can be particularly important because income and business commitments may already require a more detailed assessment.

The goal is not to put life on hold. It is simply to understand that major financial decisions made close to an application may influence the outcome.

How much you earn is just one part of the picture when it comes to your borrowing capacity.Depending on your circumstanc...
19/08/2026

How much you earn is just one part of the picture when it comes to your borrowing capacity.

Depending on your circumstances, factors that may also be considered include:

✔️ Your existing loans and credit cards
✔️ Living expenses and financial commitments
✔️ The type and consistency of your income
✔️ Your business structure (if you're self-employed)
✔️ Your deposit and available equity
✔️ The lender's own assessment criteria

That's why two people with similar incomes can sometimes have very different borrowing outcomes.

Borrowing capacity isn't just about what you earn.

At Rate Money Fairfield, we work with self-employed Aussies and look at the complete financial picture to help find home loan options that suit your individual circumstances.

- Chris

"If I'm happy with my interest rate, I don't need to review my home loan."Interest rate is only one part of the picture....
17/08/2026

"If I'm happy with my interest rate, I don't need to review my home loan."

Interest rate is only one part of the picture.

As life changes, it's worth checking whether your home loan still suits your circumstances.

For example:

✔️ Has your income changed?
✔️ Has your business grown?
✔️ Have you built equity?
✔️ Have your financial goals changed?

Sometimes a review confirms you're already in a great position.

Other times, it helps you understand what options may now be available.

Either way, it's about making informed decisions, not assuming the loan you chose years ago is still the best fit today.

- Chris
https://ratemoney.com.au/fairfield-branch

Most people think about reviewing their home loan when interest rates change.But that's not the only reason.Your circums...
16/08/2026

Most people think about reviewing their home loan when interest rates change.

But that's not the only reason.

Your circumstances can change too.

Maybe you've:
• Started or grown a business
• Paid down debt
• Built more equity
• Changed your long-term goals
• Purchased an investment property

A home loan review isn't always about refinancing.

Sometimes it's simply about understanding whether your current lending still aligns with where you are today.

Because just like your business or financial goals, your home loan shouldn't be something you set up once and never think about again.

- Chris
https://ratemoney.com.au/fairfield-branch

Opening a new credit card before applying for a home loan may affect your borrowing capacity.Lenders generally look at y...
12/08/2026

Opening a new credit card before applying for a home loan may affect your borrowing capacity.

Lenders generally look at your available credit limits, not just what you've spent. Even a card with a zero balance can be taken into account during the assessment process.

If you're planning to purchase a property in the near future, it's worth understanding how new credit applications may impact your home loan application.

Address

Shop 3, 24-26 Nelson Street, Fairfield
Sydney, NSW
2165

Telephone

+61281115962

Website

Alerts

Be the first to know and let us send you an email when Rate Money - Fairfield 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