We are
Rate Money

Meet the team behind Australia’s
Home for the Self-employed.

We’ve grown rapidly with 42 independently owned franchises up and running across New South Wales, Victoria and Queensland. The hardworking team at Rate Money HQ provides support to the franchise network and includes professionals with a wealth of experience across management, credit, compliance, marketing and operations.

Meet our Directors

Rate_Money_Ryan_Gair
Director / CEO

Ryan Gair

21 years experience within the mortgage industry including state sales manager at AFM, general manager of RAMS franchise for 6 years, and a RAMS franchisee for 3 years, as well as being one of the highest performing branches in the RAMS network.

Rate_Money_Glenn_Maynard
Director

Glenn Maynard

29 years’ experience as self-employed within the mortgage industry, owner of The Mortgage Store for 10 years, Founder and Non-Executive Director of Think Tank Group ongoing for the past 21 years, Director of the Artisan Finance ongoing for the past 14 years as well as a RAMS franchisee for 5 years.

Rate_Money_Luke_Sheales
Director

Luke Sheales

29 years’ experience in mortgage lending including roles as State Manager at Access Home Loans, State Manager of e-Choice, National Sales Manager at Mortgage House, Associated to the MFAA as well as a RAMS franchisee for 8 years.

Meet the Leadership Team

Rate_Money_Gus_Mandez
Chief Strategy & Operations Officer

Gus Mendez

Gus brings over 26 years of experience in Financial Services. As CEO and founder of Loan Services Australia — a full-service mortgage manager specialising in Online home loan origination and management technology — he drove strategy and execution to take LSA from start-up to one of Australia’s largest mortgage managers.

Rate_Money_Cathy_Stapleton
Chief Marketing Officer

Cathy Stapleton

Cathy Stapleton is the Chief Marketing Officer at Rate Money, bringing a wealth of experience in brand strategy, digital marketing, and consumer engagement. With leadership roles at Afterpay, Rivalry, Bumble, Samsung, and adidas, she has successfully driven award-winning marketing campaigns, built high-performing teams, and delivered commercial results across diverse industries. Cathy's expertise spans full-funnel marketing, data-driven decision-making, and strategic partnerships.

Rate_Money_Alan_Fardon
National Sales & Distribution Manager

Alan Fardon

Alan has 21  years of experience within the financial services industry. He spent 14 years with RAMS Financial Group where he managed a network of 50 franchisees before being lured across to Bendigo and Adelaide Bank, where he worked as a Regional Manager.

Rate_Money_Carly_Tomas
Operations Manager

Carly Tomas

Carly has over 13 years of industry experience, the majority of which have been spent at a managerial level. She prides herself on her ability to develop and manage a successful team.

Rate_Money_Paul_Carey
Head of Risk & Compliance

Paul Carey

Paul has an extensive background in financial services, with a demonstrated set of skills including channel development, operational frameworks, strategic marketing, franchising and licensing frameworks.

Rate_Money_Kerryn_Millar
National Training Manager

Kerryn Millar

Kerryn is an experienced and results-driven individual with a demonstrated history of working in the Banking Industry and Franchising. She is highly skilled in Business Planning, Change/Operations Management, Coaching and Leadership.

Rate_Money_Fotini_Solis
Customer Service Manager

Fotini Solis

Fotini has a strong history in retail banking, having worked at St George for 18 years in various roles. Fotini was awarded three national awards in 2020, including Service Champion of the Year.

Rate_Money_Tony_Ha
Business Analyst

Tony Ha

Tony is a seasoned Project Manager at Rate Money, drawing from extensive experience in business development and operations excellence. With a background that includes roles such as Home Loan Manager at RAMS and Lead in Operations Excellence at Link Group, Tony brings over a decade of expertise to his current position. His diverse skill set and proven track record make him an invaluable asset in delivering successful projects and driving organisational growth.

Get in touch

Looking for a home loan specialist? Ready to apply for a loan? We’d love to hear from you.