Rate Money Introduces Competitive Rate Adjustments Amid Industry Increases

How Rate Money's Modest Rate Hikes Benefit Borrowers

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In a move that sets it apart from major lenders, non-bank lender Rate Money has announced a modest increase in its variable interest rates by only 15 to 20 basis points on select loan products.

This decision comes as many financial institutions implement the full 25 basis point hike following the RBA's recent cash rate increase.

Rate Money specializes in providing loans for self-employed individuals, a demographic often underserved by traditional banks. By limiting the rate increase, Rate Money aims to offer more affordable financing options to this segment, acknowledging the financial pressures posed by rising inflation and living costs.

CEO Ryan Gair emphasized the company's commitment to supporting borrowers during challenging economic times. He noted that while the economy remains relatively strong, the rising cost of living is stretching household budgets, making it essential to provide competitive loan products.

For self-employed Australians seeking financing, Rate Money's approach offers a more manageable repayment structure compared to the broader market. Prospective borrowers are encouraged to explore these options and consider how such tailored products can align with their financial goals.

Published:Saturday, 21st Feb 2026
Author: Paige Estritori

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Discount Rate:
The interest rate used to determine the present value of future cash flows, often used in discounted cash flow analysis.

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