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.

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

Rate Money to shake up commercial property lending market

Rate Money to shake up commercial property lending market

Rate Money, Australia’s leading specialist in self-employed home loan solutions, has today announced the expansion of its award-winning products and s…

20 March 2025
Rate Money celebrates $10 billion in loans milestone

Rate Money celebrates $10 billion in loans milestone

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 rem…

14 March 2025
Proud to be Recognised as a Top Place to Work!

Proud to be Recognised as a Top Place to Work!

At Rate Money, we’ve always known that our team is the true heart of our business, and now we’ve got the recognition to prove it! We’re beyond thrille…

14 February 2025

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.