Rate Money Chelsea

Ready to Simplify Your Finances?

At Rate Money, we specialise in supporting Australia’s self-employed. We understand the challenges of managing multiple income streams, which is why we carefully assess your full financial position to secure the most suitable refinancing solution for you.

Consolidate your high-interest debts into a single, low-interest home loan — and potentially save thousands while improving your cash flow.

The Rate Money Advantage for refinancing your home loan:

✔ Cash-out options to clear personal or business debts
✔ Flexible Alt Doc & Full Doc loan solutions
✔ Competitive, market-leading interest rates

We can help you consolidate:
• ATO debt
• Private loans
• Business loans
• Credit cards
• Car loans

Live your dream — get in touch with Rate Money Chelsea today.

Self-employed and thinking about buying a home?

A low doc home loan could be the solution you’ve been looking for. Designed for tradies, contractors, and business owners, it offers a flexible way to secure finance—even if your tax returns aren’t up to date.

📊 With options to verify income using BAS, bank statements, or an accountant’s letter, you can move forward sooner without the usual paperwork stress.

🏡 It’s not about cutting corners—it’s about finding the right pathway that works for your business and lifestyle.

✨ Ready to explore your options? Let’s chat and make your home ownership goals a reality.



Who Qualifies? https://ratemoney.com.au/news/what-is-a-low-doc-home-loan-and-who-qualifies?fbclid=IwY2xjawQnEqdleHRuA2FlbQIxMQBzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEexygNy7FSYF8FedpuNOqxJuI_sOC3upppnvdV7sMFYcj62afpVpeBNmP1ZyM_aem_20If1Cnxe6bctzpA2fpmSw

🤔 Could your credit card impact your home-buying plans? 🤔⁣
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Your credit card may be small in size. ⁣
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But it could still have a big impact on your home buying plans if you have one, or multiple, credit cards with a high credit limit.⁣
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That's because when lenders assess your borrowing power they tend to look at your credit card limit – not the current card balance.⁣
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The bigger the credit limit, the bigger the potential impact on the amount that you can borrow. 😅⁣
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And that applies for each credit card you or your partner have open - even if the amount you owe is $0.⁣
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So what could you do? 🧐⁣
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Well, if you’re not planning to use your card’s full limit, you could consider lowering it (or even closing the account completely).⁣
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This could increase your borrowing power and potentially get you over the line for the home loan of your choice. 👍⁣
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To find out more, contact Your Choice Brokerage on:

☎️ – 0430 175 970
💻 – [email protected]

Making your life easier is our number one priority! Thanks for the review Cristhian! 😁