Not Sure You’re Getting the Right Loan for Your Needs?
Answer a few quick questions and see which loans—home, business, commercial, or SMSF align with your goals. Clear guidance to help you choose the right option.
Not Sure You’re Getting the Right Loan for Your Needs?
Answer a few quick questions and see which loans—home, business, commercial, or smsf—align with your goals. Clear guidance to help you choose the right option.
Why Choose Rate Challenge?
Simplifying Loans, So You Can Focus On What Matters
Finding the right loan can feel overwhelming. We simplify the process and give you clear options—no matter your situation.
Compare 40+ lenders in one place
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Explore options for home, business, or investment loans
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Guidance from first inquiry to settlement
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Support with low deposits, ABN income, or complex cases
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10+ Years Banking & Broking
35+ Lenders
via VOW/YBR
No Broker Fee
(Standard Home Loans*)
FBAA Member • Cert IV Master (Banking & Finance)
How We Help
Every journey is unique—we guide you every step
Home Loans
First-home buyers, refinancing, or investment properties.
Property Investors
Build smarter portfolios with the right loan structures.
Business / Self-Employed
Find lenders who understand ABN income and BAS requirements.
Equipment Finance
Fund tools, vehicles, or machinery efficiently.
Commercial & Business Loans
Secure finance for offices, warehouses, or working capital.
SMSF &
Specialist Loans
SMSF & Specialist Loans
Explore property investment through your super or other unique options.
How It Works
A Simple 3 Step Process
Answer a Few Questions
Less than 60-Second to help us understand your needs.
We Review Your Case
Match your details with lenders that may suit your profile.
Next Steps
Receive a call within 24 business hours to discuss your options.
Why Work With Us
Independent Guidance, Backed By Experience
We’re accredited brokers, not tied to one bank. Our panel of 40+ lenders means you get a wider set of options.
1. Transparent process explained in plain language.
2. End-to-end guidance from enquiry to settlement.
3. Over a decade of experience in lending and finance
3. Over a decade of experience in lending
and finance.
4. No broker fees for most standard loans.
What Our Clients Say
The quiz simplified everything. I found a lender that understood my business in days.
Jason M.
Refinancing lowered my repayments and freed up cash flow. The process was clear and simple.
Mia G.
As a start-up, I got matched with a lender willing to support new businesses.
Navin S.
Frequently Asked Questions
How do I know which loan is right for me?
Answer our quick 60-second quiz to see which loans—home, investment property, business, commercial, or SMSF—align with your goals. Our team then matches your profile with lenders that suit your situation.
Can Rate Challenge help me get an SMSF or specialist loan?d
Yes! We guide Australians through property investment using their SMSF or other unique lending scenarios, ensuring compliance and tailored finance solutions.
What if I’m self-employed or a contractor?
We assist with a wide range of loans:
● Home loans (first-home buyers, refinancing, investment).
● Business and commercial loans.
● Equipment finance (tools, vehicles, machinery).
● SMSF and specialist loans.
Can I get a loan if I have a low deposit or unusual income?
Yes. Rate Challenge works with lenders who understand ABN income, self-employment, and complex financial situations. We help you find options even with low deposits or non-standard income.
How fast can I get matched with a lender?
After completing the quiz, our team reviews your case and contacts you within 24 business hours to discuss your options.
How is Rate Challenge different from going directly to a bank?
We’re independent brokers with access to 40+ lenders, meaning you get a wider range of options and expert guidance from enquiry to settlement.
Ready to See Your Loan Options?
The quiz takes less than 1 minute. From there, we review your case and connect you with lenders that may suit your needs
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