MC

Martin Cha

State Manager - Nsw/act at Rate Money

Martin Cha possesses extensive experience in the finance and mortgage industries, currently serving as State Manager for NSW/ACT at Rate Money since April 2020, and previously as Brand Partner Relationship Manager. Prior to this, Martin held roles as a Mortgage Broker at Mortgage Doctors and Home Loan Experts, along with positions as Business Development Manager at Macquarie Group and National Australia Bank. Martin also has experience as a Lending Manager at RAMS Home Loans and as a Credit Analyst at Macquarie Group. Education was completed at Sydney Boy's High School, culminating in 1997.

Location

Sydney, Australia

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Rate Money

Our Story Rate Money was founded by a team of experienced mortgage professionals to support self-employed clients with their financing needs. Self-employed clients often need a higher degree of expertise and flexibility compared to other borrower types; reflecting the varying needs of the individual owners and businesses. Our clients need their advisors to “think outside the box,” and remove the restriction of old school bank ideology. They need someone to support their plans and aspirations, whether for home ownership, property investing, commercial property, purchasing via self-managed superannuation or other financing. The Difference Rate Money has a team of specialist advisors, experienced in understanding the dynamics and challenges of business owners. They are experts at reading and analysing business financials and looking beyond the numbers. Many are self-employed, and have a depth of knowledge and empathy greater than advisors from the banks and other institutions. We have a range of bespoke solution-driven loans for the self-employed, available exclusively through Rate Money. Products include a range of “alternative” documentation loans that do not require full financials and tax returns. Income can be verified using other supporting information that may be more current, providing a clearer assessment of a business owner’s ability to borrow.