At RateOne we have a team of highly trained and skilled professionals who are dedicated to providing you with the best possible lending advice. Buyers always look at multiple options when it comes to selecting a house to buy, but do not extensively explore all the available lending options.

When you use a RateOne Home Loan mortgage broker you know you are getting experienced, professional and qualified advice on the most appropriate home loan structure and home loan product to meet your individual circumstances. Our team are all MFAA Accredited and Diploma Certified.

Our brokers have also established a reputation for assisting clients from the initial inquiry right through to settlement and beyond. They work closely with borrowers by preparing the documents for the lender, submitting the application, liaising with both parties through the process and answering questions through the loan approval stage.


Considering that lender policies, products and pricing can change weekly, getting the right advice is just as important for your first home as it is for your tenth. When you first purchased, your current lender probably ticked all of the bare essential boxes. With any new purchase a review of your situation is a wise and prudent course of action to more accurately allow for your current financial circumstances.

Whether you’re a first home buyer, upgrading to a new home, expanding your property investment portfolio, or planning on building your property, here at RateOne, we’ll assess your current needs and present the best solutions available to you.


Personal Finance

Get there sooner with a personal loan.

An extra financial boost is a great way to reach a goal or make exciting things happen in your life.



A home loan is generally a long-term proposition, but in some situations it can make sense to refinance your mortgage.

Refinancing involves taking out a new mortgage and using those funds to pay off your existing mortgage.  During the refinancing process, your broker will look at your other debts as well to determine whether it is beneficial for you to consolidate your more expensive loans into the home loan.  Doing so can save money and result in significant financial gains over time.

Another form of refinancing is a reverse mortgage, this financial product allows you to borrow money using the equity in your home as security. The loan may be taken as a lump sum, an income stream, a line of credit or a combination of these options. Interest is charged like any other loan, but you usually don’t need to make repayments while you live in your home.


Commercial and Specialised Lending

Every business is unique and requires bespoke advice to meet their needs.  At RateOne, our commercial finance brokers are ready to listen and provide solutions that will maximise your business potential.  Our specialists are educated in commercial property, asset finance, and business finance.  Through their connections to a large network of funders, rest assured, they would find a solution that will meet your objectives and requirements.



Discuss your loan requirements with your RateOne mortgage consultant. During this stage, we will select an appropriate loan facility, and gather your supporting documents required for loan submission. At this stage we may arrange bank valuations and contact your solicitor to introduce ourselves.

RateOne will prepare, package and submit your application and all supporting documents to the lender, after receiving all supporting documents. At this stage, we will call you and let you know we’ve submitted your loan!

Now that you have purchase a property, you will now meet with our loan protection adviser to discuss strategies to cover your risks and protect your most valuable assets that you have worked so hard towards.

Congratulations! Your home loan application has been unconditionally approved! RateOne will be contacting you and other relevant parties to notify of the good news. Formal approval usually occurs within 5-7 working days from submission. As always, we’ll keep you updated along the way.

Lender has sent out the loan contracts to formalize your acceptance of their unconditional approval. We will contact you to arrange a meeting for the documents to be signed and returned the lender. During this meeting, we will also arrange general insurance for your property. You will also determine how any extra funds required for settlement will be processed (bank’s direct debit or by bank cheque). You will need to prepare or transfer the required funds to the correct account for direct debit, or await instructions from your solicitor for cheque instructions. Don’t worry, we’ll let the bank know what you intend on doing so everyone stays on the same page.

Your solicitor or legal representative will be notified of any outstanding documents required by the lender. Once all documents have been provided and confirmation of funds available, the bank will issue a “ready to book settlement” to your legal representative.

Congratulations! On this day, you will take ownership of the property and your new home loan will start on this day. If your repayment frequency will also be based from this date, unless it’s interest only repayments, then it will be at the end of the calendar month.

We’ll stay in regular contact with you to ensure your loan continues to suit your needs. If you have any questions or requests to vary your loan, please ensure to contact your broker for the best service.

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For most people a home loan is the biggest commitment they will ever undertake and it will most likely be part of their financial situation for many years. Your mortgage broker will be there with you on your journey. When you have established a relationship with your mortgage broker it will be the ONE constant throughout the life of your loans – even if you change lenders along the way.

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