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
Less Paperwork
Franchise Network
We’re Part of your Power Team

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.

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.

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

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…

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…
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