It’s Not About Us. It’s About You.

We believe that the Self-Employed are the backbone of the country’s economy and those brave enough to have a go in business – deserve a much fairer go with their home loans. 

So we created a place where the Self-Employed will always be welcomed with open doors, open arms and open ears.
Where you’ll be greeted with a “YES” rather than a big bank “no” when discussing your property dreams.

A place filled with unparalleled experience and expertise to power you past all the perplexing paperwork, red-tape and negativity to find you the perfect lending solution for your each and every need.

As quickly as we possibly can.

We’re Rate Money.
And we’re proud to have built a home for the Self-Employed.

Self-Employed people we've helped so far.

Total amount of money we've lent to fund the dreams of Self-Employed Australians.

Local Rate Money franchises.

Meet Our Founders

Rate Money was founded by three friendly home loan industry ‘rebels’ who saw that the system had flaws. Especially for Self-Employed Australians. So they decided to do something about it.
Using their combined 70+ years of experience and expertise, the Rate Money founders decided to go out on their own and ‘right the wrongs’ for the Self-Employed. Developing innovative ways to help those having a go in business – finally get a fair go with their home loans.
And so Rate Money was born.

“We’re on your side because all of us are Self-Employed too.”

– Ryan Gair, CEO

He’s always positive. Always upbeat. And always on the side of Australia’s Self-Employed. Ryan’s energy and passion for “the unsung heroes of the nation” permeates across the entire Rate Money family. During his first 17 years’ experience in the mortgage sector, he really hated the way the Self-Employed were treated by the industry. So he and his fellow founders decided to do something about it. So they created Rate Money in 2019 and they have never looked back since.

Luke Sheales

“We always start with a ‘Yes’ rather than a big bank ‘no’ because you deserve more respect.”

– Luke Sheales, Director

Luke’s 25 years’ experience in the mortgage lending sector includes national roles at major brands as well as running his own franchises. But it’s the future he’s more interested in. He’s determined to help Self-Employed Australians find the right loans faster and easier than ever before. And at Rate Money, he’s doing exactly that. Brilliantly.

“A lot of people refer to the Self-Employed as ‘heroes’. We actually treat them that way.”

– Glenn Maynard, Director

With over 26 years experience as a Self-Employed professional within the mortgage industry, it’s fair to say that Glenn has seen and done it all. The reason he still has fire in his belly and passion in his heart is to make sure other Self-Employed Australians finally get a much fairer go when it comes to financing their homes and other real estate investment dreams. That’s why he was so keen on starting Rate Money.

One last thing about us: we really love helping the self-employed

If you’re Self-Employed, we’d love to help you with all your property finance requirements too. So please, get in touch today for better rates, better service and a whole lot more respect.