Our home
is your home

Backing self-employed Australians since 2019.

The Story Behind our Success

Founded in 2019 by a team of mortgage professionals, Rate Money set out to fill a critical gap in the industry—offering tailored home loan solutions specifically for self-employed borrowers.  During this time, we’ve made it simpler for 15,000+ self-employed Australians to get access to more than $10 billion in financing.

In just 6 years, Rate Money has expanded from 0 to 40 branches, demonstrating the immense growth potential for franchisees.  As the first to eliminate unfair fees on most of our products, we've disrupted the lending landscape and earned numerous industry awards for our innovative approach.

We’re backing Australia’s self-employed with tailored home loan solutions. Getting to ‘yes’ with less stress. We’re proud to offer more innovative solutions, support and expertise with less paperwork, unnecessary fees and hassle. We’re here to help pour franchisees stand out from the crowd by leveraging the collective strength of the brand, branch network and focus on professional growth.

Self-employed Focus

We’re backing Australia’s self-employed with tailored home loan solutions. Getting to ‘yes’ with less stress. 
Self-employed Focus

Less Paperwork

We’re proud to offer more innovative solutions, support and expertise with less paperwork, unnecessary fees and hassle.
Less Paperwork

Franchise Network

We’re here to help pour franchisees stand out from the crowd by leveraging the collective strength of the brand, branch network and focus on professional growth.
Franchise Network

We’re Part of your Power Team

Rate_Money_Ryan_Gair
Director / CEO

Ryan Gair

18 years of experience within the mortgage industry, including as state sales manager at AFM, general manager of the RAMS franchise for 6 years, and RAMS franchisee for 3 years. I also have one of the highest-performing branches in the RAMS network.

Rate_Money_Glenn_Maynard
Director

Glenn Maynard

26 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 17 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

25 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.

Latest news

June 2026 Sydney Property Market Update
Untitled (851 x 400 px) (1)
Insights

June 2026 Sydney Property Market Update

Demand Softening in Sydney Across Australia, home values in the previous three months saw a slight increase of 0.6%. Regions like Brisbane, Adelaide, …

1 July 2026
What Is An Alt Doc Home Loan?
What is an alt doc home loan
Insights

What Is An Alt Doc Home Loan?

What Is an Alt Doc Home Loan (and Who Qualifies)?

22 June 2026
What Your Credit Score Means For A Mortgage
What Your Credit Score means for a Mortgage
Insights

What Your Credit Score Means For A Mortgage

When you’re thinking about buying a home or refinancing, your credit score plays an important role. It influences how lenders assess your application …

15 June 2026

Rate Money Careers

At Rate Money we believe that all self-employed Australians should feel like heroes. With a company culture steeped in grit, teamwork, openness to change and always doing the right thing, we believe we can surpass any expectation from our partners and clients, to bring home loans, service and the respect that they deserve.

Ready to achieve the remarkable?

CAREER OPPORTUNITIES

Get in touch

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

1300 936 668

1300 936 668

Online Enquiry

Online Enquiry

Locate Branch

Locate Branch