It’s Not About Us. It’s About You.

We believe that the Self-Employed are the backbone of the country’s economy and those brave enough to have a go in business – deserve a much fairer go with their home loans. 

So we created a place where the Self-Employed will always be welcomed with open doors, open arms and open ears.
Where you’ll be greeted with a “YES” rather than a big bank “no” when discussing your property dreams.

A place filled with unparalleled experience and expertise to power you past all the perplexing paperwork, red-tape and negativity to find you the perfect lending solution for your each and every need.

As quickly as we possibly can.

We’re Rate Money.
And we’re proud to have built a home for the Self-Employed.

Self-Employed people we've helped so far.

Total amount of money we've lent to fund the dreams of Self-Employed Australians.

Local Rate Money branches.

Meet Our Founders

Rate Money was founded by three friendly home loan industry ‘rebels’ who saw that the system had flaws. Especially for Self-Employed Australians. So they decided to do something about it.
Using their combined 50+ years of experience and expertise, the Rate Money founders decided to go out on their own and ‘right the wrongs’ for the Self-Employed. Developing innovative ways to help those having a go in business – finally get a fair go with their home loans.
And so Rate Money was born.

“We’re on your side because all of us are Self-Employed too.”

– Ryan Gair, CEO

17 years’ experience in the mortgage industry including State Sales Manager of Australian First Mortgage, General Manager of a RAMS Franchise for 6 years and RAMS Franchisee for 3 years (one of the highest performing branches in the entire RAMS Network).

Luke Sheales

“We always start with a ‘Yes’ rather than a big bank ‘no’ because you deserve more respect.”

– Luke Sheales, Director

24 years’ experience in mortgage lending including roles as State Manager of Access Home Loans, State Manager of e-Choice, National Sales Manager of Mortgage House, Associate to the MFAA and a proud RAMS Franchisee for 8 years.

“A lot of people refer to the Self-Employed as ‘heroes’. We actually treat them that way.”

– Glenn Maynard, Director

25 years’ experience as a Self-Employed professional within the mortgage industry. Owner of The Mortgage Store (1996-2006), Founder and Non-Executive Director of the Think Tank Group (from 2005 to present), Director of mortgage broker Artisan Finance (2008 to present) as well as being a RAMS Franchisee for 5 years.

Our Branch Principals

They’re all experienced, knowledgable and very easy to get on with.
Best of all, they’re more than able to help you get the best rates on your next property purchase.
So get in touch today.

NEW SOUTH WALES

Chris Moran

Branch Principal

Fairfield

P:   02 8111 5962
A:   Unit 51/54 Smart Street Fairfield, NSW 2165

Michael Johnson

Branch Principal

The Hills

P:   1300 942 220       
A:   12/11-13 Brookhollow Ave Norwest NSW 2153

Angelina Benedikta

Branch Principal

Marrickville

P:   0431 300 805      
A:   Marrickville, New South Wales 2204

Matthew Fitzpatrick

Branch Principal

North Sydney

P:    02 9062 9500      
A:    1/225 Pacific Highway, North Sydney NSW 2060

Ella Jorgensen

Branch Principal

Parramatta

P:   02 9680 9048
A:  Shop 1/3 Horwood Place, Parramatta NSW 2150

Fiona Decker

Branch Principal

Ryde

P:   02 9800 9833       
A:   Shop 1/62-66 Blaxland Road, Ryde NSW 2112

Daniella Pan

Branch Principal

Sydney South East

P:   1300 195 588       
A:   Level 1, 1-5 Link Road, Zetland NSW 2017

Natalie Moran

Branch Principal

Fairfield

P:   02 8111 5962
A:   Unit 51/54 Smart Street Fairfield, NSW 2165

Kim Dao

Branch Principal

Liverpool

P:   0402 326 716
A:   Level 1 Suite 2/22-26 Memorial Ave Liverpool  2170

Joe Firdaus

Branch Principal

Marrickville

P:   0452 605 680       
A:   Marrickville, New South Wales 2204

Isma Gair

Branch Principal

Parramatta

P:   02 9680 9048
A:  Shop 1/3 Horwood Place, Parramatta NSW 2150

David Campbell

Branch Principal

Penrith

P:   02 4702 1399       
A:   PO Box 36, Penrith NSW 2751

Michael O'Malley

Branch Principal

Sydney CBD

P:   02 8880 9388
A:   Suite 13, Shop 34/26A Lime St, Sydney NSW 2000

VICTORIA

Allen Zhao

Branch Principal

Balwyn

P:   0405 917 973      
A:   3/72A Doncaster Road, Balwyn North VIC 3104

Chamal Edirisinghe

Branch Principal

Bundoora

P:   0452 591 511       
A:   103-105 Grimshaw Street, Greensborough, VIC, 3088

Monica Francis

Branch Principal

Epping

P:   1800 215 626       
A:   35 Fullarton Drive, Epping VIC 3076

Nguyen Kim

Branch Principal

North Melbourne

P:   03 9492 0936       
A:   Suite 6/204-218 Dryburgh St, North Melbourne 3051

Simarpreet Singh

Branch Principal

West Melbourne

P:   03 9448 8935    
A:   2 Blackwood Drive, Altona North VIC 3025

Chris Liu

Branch Principal

Balwyn

P:   0451 658 288       
A:   3/72A Doncaster Road, Balwyn North VIC 3104

Nina Hu

Branch Principal

Eastern

P:   03 9761 3030       
A:   34 Dorset Square, Boronia VIC 3155

Saurabh Kumar

Branch Principal

North Melbourne

P:   03 9492 0936       
A:   Suite 6/204-218 Dryburgh St, North Melbourne 3051

Bhupinder Mata

Branch Principal

West Melbourne

P:   03 9448 8935        
A:   2 Blackwood Drive, Altona North VIC 3025

One last thing about us: we really love helping the self-employed

If you’re Self-Employed, we’d love to help you with all your property finance requirements too. So please, get in touch today for better rates, better service and a whole lot more respect.