Find the Right Home or Business Loan—Without the Hassle
Access 40+ Lenders. Get Approved Sooner.
Whether you're just starting or expanding your portfolio, we help you buy smarter, avoid costly mistakes, and stay ahead of the market.
Find the Right Home or Business Loan—Without the Hassle
Access 40+ Lenders. Get Approved Sooner.
Whether you're just starting or expanding your portfolio, we help you buy smarter, avoid costly mistakes, and stay ahead of the market.
Find Out What Loan Type Suits You Best (In 60 Seconds)
Meet David Warburton
With 20+ years in the industry, David has helped over 1,200 clients get approved, many who were turned down elsewhere. He brings clarity and solutions to even the most challenging cases.
"At Rate Challenge, I focus on getting you results, not wasting your time."
Why Choose Rate Challenge?
We specialise in solving the complex deals others avoid. From self-employed applicants to commercial borrowers and first-home buyers, we make it simple.
Access to 40+ lenders with one simple application
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Home loans, business finance, SMSF loans, and more
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
We handle tricky credit files, low deposits, or ABN income
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
End-to-end support from inquiry to approval
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Why Choose Rate Challenge?
We specialise in solving the complex deals others avoid. From self-employed applicants to commercial borrowers and first-home buyers, we make it simple.
Access to 40+ lenders with one simple application
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Home loans, business finance, SMSF loans, and more
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
We handle tricky credit files, low deposits, or ABN income
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
End-to-end support from inquiry to approval
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
How We Help You
We support a wide range of personal and business loan needs:
First-Home Buyer
Get expert help and buy with confidence
Property Investors
Build smart portfolios with the right structure
Self-Employed
We understand ABN income and BAS challenges
Equipment Finance
Fund your tools, machinery, or vehicles
Commercial Loans
Secure funding for offices, warehouses & more
Business Loans
Access working capital or growth funds
Tiny Home Finance
Get expert help and buy with confidence
SMSF Loans
Invest through your Super the right way
Our Simple 4-Step Process
01
Start the
Conversation
Tell us what you need
02
Compare the
Right Lenders
We shortlist the top options for
your profile
03
We Handle the Paperwork
You stay focused, we
handle the admin
04
Get
Approved
Fast turnaround, full support
Our Simple 4-Step Process
01
Start the Conversation
Tell us what you need
02
Compare the Right Lenders
We shortlist the top options for your profile
03
We Handle the Paperwork
You stay focused, we handle the admin
04
Get Approved
Fast turnaround, full support
What Clients Are Saying
Jason M.
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
“I was declined by two banks. David got me approved in under a week. Couldn’t believe it!”
Mia G.
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
“No stress, no runaround. David explained everything in simple terms and made it happen.”
Navin S.
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
“Great rates, fast approval, and real advice. Highly recommend Rate Challenge.”
Frequently Asked Questions
Do I need perfect credit?
No. We work with many lenders who accept bad or non-traditional credit profiles.
How much do you charge?
Our service is usually free—we’re paid by the lender once your loan settles.
What if I’m self-employed or a contractor?
We work with lenders who understand ABN, freelance, and business income.
Do you help businesses too?
Yes. We offer commercial, SMSF, equipment, and business loans Australia-wide.
Where do you operate?
We serve clients across all of Australia, no matter where you're based.
Ready to Get the Right Loan for Your Needs?
Let us help you secure a loan that works for your goals—residential or commercial.
Ready to Get the Right Loan for Your Needs?
Let us help you secure a loan that works for your goals—residential or commercial.
Copyright © 2025 Rate Challenge.