Rate Money, Australia’s home for the self-employed, proudly announces it has surpassed $10 billion in loans written since its launch in 2019. This remarkable milestone was announced at Rate Money’s annual franchisee conference. The event brought together franchisees for strategic discussions and informative sessions and to celebrate achievements. The announcement underscores Rate Money’s commitment to transforming the mortgage industry for Australia’s 2 million self-employed community.
Rate Money, CEO, Ryan Gair said, "Reaching $10 billion in loans underscores our commitment to supporting self-employed Australians. We continue to evolve, enhancing our products and business to better serve customers, brokers, and franchisees. To strengthen our franchise network, we’ve expanded our training team and introduced hands-on programs to equip franchisees with the tools for success. Additionally, we’ve reinforced compliance and customer service teams to uphold industry-leading standards."
“On the operational front, we’ve launched a more efficient CRM system to streamline processes, reduce administrative work and improve communication. A renewed focus on local area marketing, along with a revamped website and refreshed brand identity further strengthens our place in the market. These advancements, combined with our leading home loan solutions, provide our franchisees with the support they need to grow.”
Since 2019, Rate Money has grown rapidly, with $2.6 billion settled in 2024 alone. Over 15,000 self-employed customers have benefited from Rate Money’s innovative products and tailored solutions, including the Elevate Easy Doc Construction Loans, essential 1-year tax return and Evolve 1% Servicing.
“In the past 12 months, we’ve reached several key milestones. We expanded into regional NSW, including the Southern Highlands and Nowra, and opened three new branches in Queensland. This brings our total network to 40 branches nationwide. We also introduced the Evolution Sales Program and launched an updated 12-week induction program with e-learning modules to streamline onboarding for new team members. Additionally, we appointed a Credit Capability Coach to improve training, provide stronger support, and enhance our network's overall capabilities” Mr Gair said.
In 2024, Rate Money was also recognised with four prestigious industry awards, including the Australian Mortgage Awards, the MFAA Awards, the Mortgage Business Awards, and the Australian 5-star Mortgage Innovator Awards, cementing its reputation as a leader in the self-employed lending space.
“Our $10 billion milestone shows our commitment to helping self-employed Australians,” said Rate Money CEO Ryan Gair. “We’re constantly improving—enhancing our products, streamlining operations, and strengthening franchise support. We will continue investing in training, reinforcing compliance, advancing our technology, and providing stronger marketing support to help our franchisees grow and better serve their customers.
“In 2025, we’re growing even further into Queensland, NSW, and Victoria, with just 10 branches to go until we hit 50. We’re also expanding our commercial loans division as we continue making home loans more accessible for self-employed Australians.”