Rate Money,
Parramatta Branch
Our Story… so far
Founded in 2019 by a team of mortgage professionals, Rate Money was created to address a critical gap in the lending industry. With a unique focus on self-employed borrowers, Rate Money offers tailored home loan solutions to meet the specific needs of this often underserved segment, making it a valuable resource for those seeking financing.
As the first lender to eliminate unfair fees on most products, Rate Money has disrupted the industry, prioritising fairness and accessibility. This innovation has earned numerous awards, highlighting Rate Money’s commitment to positive change in the mortgage landscape, benefiting both Rate Money's franchisees and borrowers alike.
What We Do
With valuable experience from working alongside Ryan Gair, the founder of Rate Money, at his RAMS franchise, and a brief period at the head office, Ella was quickly inspired to partner with Isma and establish the Parramatta branch in 2020.
Together with their dedicated team of six, they focus on providing tailored mortgage solutions for self-employed individuals, bringing the same innovative approach and strong community-driven culture that Ella experienced during her time working with Ryan.
Isma Gair
“Backing Australia's self-employed with tailored home loan solutions getting to ‘yes’ with less stress.”
Ella Phillips
“I’m driven every day by the chance to help self-employed individuals secure their financial futures and grow their wealth."
Parramatta Branch
Shop 1/3 Horwood Place, Parramatta NSW 2150
Rate Money,
Parramatta
Since 2019, we’ve made it simpler for Australia’s 2 million self-employed to get access to Australia’s property market to realise the dreams that they deserve.
Ready to apply for a loan? Just want a friendly chat? We’d love to hear from you.
Why Rate Money?
We’re driven by three core values that guide everything we do:
Grit
Where resilience and tenacity empower us to surpass limitations and achieve remarkable success.
Evolve
As we celebrate change and innovation, we continuously seek new ideas, technologies, and processes to stay ahead.
One Team
Every individual plays a crucial role in our shared mission to become the leading self-employed home loan provider.