Rate Money, Australia’s leading specialist in self-employed home loan solutions, is expanding into the commercial property lending market. This strategic move will provide self-employed borrowers with greater access to alternative financing options beyond residential lending.
“Our focus has always been on empowering self-employed borrowers with flexible, competitive home loans,” said Rate Money CEO Ryan Gair. “Now, we’re extending that support to commercial property lending, offering solutions that align with the broader financial needs of our franchisees, customers, and referral partners.”
Rate Money’s commercial loan products cater to a diverse range of borrowers, including Alt and Full Doc loans up to $8 million, off-the-plan purchases, vacant land, and cash-out options. SMSF borrowers are also supported. These products come with competitive rates, no ongoing fees, no clawbacks, and no annual reviews or revaluations—features that provide the flexibility and transparency self-employed borrowers value.
Australian commercial loans written by mortgage brokers surged over 23% last year to $91 billion[1], while SMSF ownership in commercial property reached $108 billion[2].
“There is strong demand from accountants, real estate agents, developers, mortgage brokers, and self-employed investors looking for wealth-building opportunities,” said Gair. “Our expansion into commercial lending allows us to meet this demand with tailored solutions.”
To support this growth, Rate Money has strengthened its team, appointing a National Business Development Manager and a Commercial Lending Manager. Franchisees will benefit from new opportunities to expand their service offerings, attract a broader client base, and deepen referral relationships.
“With this expansion, we’re ensuring our franchisees have the tools and expertise to thrive in today’s dynamic lending environment,” Gair added.
[1] MFAA. 2024. Industry Intelligence Service 18th Edition.
[1] ATO. 2024. Self-managed super fund quarterly statistical report – September 2024.