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hello@lowermyrate.au

Your Partner in Smarter Loans—Unlock Lower Rates Today!

Australia’s home for lower rates, faster approvals, better service
I Want To Refinance
I Want To Buy A Home

Our Story

At Lower My Rate, we’re a team of women in finance driven by passion and purpose. We know the loan process can be overwhelming, slow, and full of paperwork — so we decided to do it differently.

Powered by smart AI technology, we take the hustle off your plate and deliver fast, personalised home loan options right to your phone. No banks. No drama. Just quick approvals and great rates.

With access to more lenders and smarter tech, we find the best deal that suits you. Our mission? To make borrowing simple, transparent, and tailored to your unique needs.

Skip the bank queue. Tab to buy. You scroll, we approve — that easy.

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Our Loan Products

⁠Home Loans

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⁠Commercial Loans

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Personal Loans

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Business Loans

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Expat & Non-
Resident Loans

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⁠Home Loans

Buying your first home or upgrading? We help you secure the best rates with a smooth approval process.

  • First-home buyers
  • Investment properties
  • Refinancing & debt consolidation
  • Low-doc loans for self-employed individuals
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⁠Commercial Loans

Looking to grow your business? Get flexible loan solutions for commercial properties and business expansion.

  • Business property financing
  • Development & construction loans
  • Franchise funding
  • Office & warehouse loans
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Personal Loans

Quick and easy financing for your personal needs.

  • Car loans
  • Debt consolidation loans
  • Travel & holiday loans
  • Medical & emergency expenses
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Business Loans

Quick and easy financing for your personal needs.

  • Car loans
  • Debt consolidation loans
  • Travel & holiday loans
  • Medical & emergency expenses
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Expat & Non-Resident Loans

Quick and easy financing for your personal needs.

  • Car loans
  • Debt consolidation loans
  • Travel & holiday loans
  • Medical & emergency expenses
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Business Loans

Fuel your business growth with tailored loan options.
  • Working capital loans
  • Equipment & vehicle financing
  • Invoice & trade finance
  • Unsecured business loans
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Expat & Non-Resident Loans

Living overseas but investing in Australia? We help expats and non-residents secure financing with ease.
  • Home loans for Australian expats
  • Investment property loans
  • Non-resident mortgage solutions
  • Foreign income verification assistance
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Why Choose Lower My Rate?

Skip the Bank, Tab to Buy

Get your home loan from your phone. No paperwork, No Drama!

No Hassle, Fast Approvals

You scroll, we approve. that easy

AI Does the Hustle

Smarter tech, better deals. We match you with the best rate instantly!

More Lenders, More Approvals

We shop around so you don’t have to

- Get In Touch -

Ready to get started? Book a free consultation today and take the next step toward smarter loans!

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Our Partners

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Call Now Today!
55

Total Working Years Of
Experiences

25

Quality Projects Done
With Passion

20

Worldwide Brunches
Company Have

Our Achievements

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What Our Clients say

Review Tex"I was blown away by how fast Lower My Rate moved. I uploaded my docs through their secure portal, and within 24 hours I had three competitive offers to choose from. The whole process felt like fintech magic—seamless, transparent, and digital-first!"t

Olivia T. Tech Professional – Sydney, NSW

"The digital tools Lower My Rate used made it so easy to track progress and communicate in real-time. No back-and-forth emails or paper trails—everything was in one place. I had conditional approval in just two days!"

Ethan P. First-Time Buyer – Sydney, NSW

"We loved how data-driven their approach was. Their smart loan comparison tool helped us visualise different options with instant calculations. It saved us hours of research and helped us lock in a fantastic rate faster than we imagined."

Sunil & Meera R. Investors – Melbourne, VIC

"Usually being self-employed slows things down, but Lower My Rate’s tech platform handled my complex income setup with ease. I could upload my BAS and tax returns securely, and their team got it assessed in record time. Super efficient!"

Rachel M. Self-Employed – Sydney, NSW

"I refinanced through Lower My Rate and shaved $500 off my monthly payments. The entire process was mobile-friendly, fast, and 100% digital. I never had to visit an office—it was lending made for the modern world."

Alex D. Refinancer – Melbourne, VIC

Blogs and News

Understanding LVR (Loan-to-Value Ratio) & How It Affects Your Home Loan

Understanding LVR (Loan-to-Value Ratio) & How It Affects…

When applying for a home loan, one of the key terms you’ll come across is LVR (Loan-to-Value…

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Mortgage Brokers vs. Banks: Where Should You Get Your Home Loan?

Mortgage Brokers vs. Banks: Where Should You Get…

When looking for a home loan, you have two main options: 🏦 Go directly to a bank or 🤝 Use…

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Home Loan Pre-Approval: Why You Need It & How to Get One

Home Loan Pre-Approval: Why You Need It &…

Buying a home is one of the biggest financial decisions you’ll make, and getting home loan pre-approval can…

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