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Rate Money Introduces Competitive Rate Adjustments Amid Industry Increases

How Rate Money's Modest Rate Hikes Benefit Borrowers

Rate Money Introduces Competitive Rate Adjustments Amid Industry Increases?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

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
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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Finance News

Reserve Bank of Australia Increases Cash Rate to 3.85%
Reserve Bank of Australia Increases Cash Rate to 3.85%
21 Feb 2026: Paige Estritori
The Reserve Bank of Australia (RBA) has raised the official cash rate by 0.25 percentage points to 3.85%, marking the first increase in two years. This decision comes in response to rising inflation and aims to curb escalating consumer prices. - read more
Rate Money Introduces Competitive Rate Adjustments Amid Industry Increases
Rate Money Introduces Competitive Rate Adjustments Amid Industry Increases
21 Feb 2026: Paige Estritori
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. - read more
Australian Personal Loan Borrowing Reaches Record Levels
Australian Personal Loan Borrowing Reaches Record Levels
21 Feb 2026: Paige Estritori
Recent data reveals that Australians borrowed approximately $9.3 billion in fixed-term personal loans during the September quarter of 2025, marking a significant increase in personal loan borrowing. The average new personal loan amount stood at $22,643, reflecting a growing reliance on personal loans for various financial needs. - read more
RBA's February 2026 Cash Rate Hike: What It Means for You
RBA's February 2026 Cash Rate Hike: What It Means for You
21 Feb 2026: Paige Estritori
The Reserve Bank of Australia (RBA) has raised the official cash rate by 25 basis points to 3.85% during its February 2026 meeting. This decision comes in response to a resurgence in inflation during the latter half of 2025, with the RBA noting that price pressures have intensified and are expected to remain above target for some time. - read more
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