Unlock Your Potential: Elevate Your Mortgage Business with a Rate Money Franchise!


My business partners & I started Rate Money because we had a vision. That vision was to provide a home for the self-employed. We currently have 30 franchisees who were in the same position you are now. They were looking for an opportunity to be their own boss, they wanted to significantly increase their earning potential and they wanted to do so without taking the risk of starting from scratch.

As a Rate Money franchisee, you’ll have access to our proven business model, our extensive training program, our marketing team as well as both our compliance and credit departments. In less than 4 years we have helped over 7,000 Australians by providing $5 billion in property finance, come and join the team and you could work with a network of like-minded hardworking successful self-employed individuals.

Rate Money CEO, Ryan Gair

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Say Goodbye to Clawback!

We believe it’s unfair to be clawed back for your work when you haven’t done anything wrong. Write with confidence knowing that you’re not working for free!


Expert Support, Training, and Compliance

Succeed with Rate Money’s comprehensive training and support. Learn from the best and get the tools you need to be compliant and succeed. We have the experience and expertise to help you become the next expert in self-employed property loans.


Be Your Own Boss, Whilst Building Your Own Book

Be your own boss and own your own trail book. That’s right, it’s yours to keep (unlike other franchise models)… Enjoy the freedom and flexibility of owning your own business while building a successful career in the lending industry.

Exclusive Product Offering

We’ve developed a bespoke product offering, designed to cater to the needs of self-employed individuals. with flexible income documentation options, customised underwriting processes, and competitive interest rates, our products empower both B2B (Brokers, Accountants, Financial Planners) & B2C (Entrepreneurs, Freelancers, Gig Economy Workers) to achieve their property ownership dreams.

Above Industry Average Commissions!

The upfront commission our loan writers earn are significantly higher than the industry average. In fact our average loan writers earn 60% more in upfront commissions than the average mortgage brokers on an annual basis according to the MFAA*.

Access to Rate Money’s in house Marketing Team!

Joining a franchise with a marketing team means access to experienced professionals with a strong understanding of the brand and target market, leading to effective marketing strategies, valuable resources, ongoing support, extensive market research and most importantly accelerated business growth!

Chat to us!

If you’re looking for a proven business model with a strong support system, then Rate Money is the right choice for you. We have a recognised track record of helping the self-employed and we offer a comprehensive suite of services that can help you grow your business.

We have limited availability, so contact us today! To learn more about our franchising opportunity, please click the button below to reach out to us. We are happy to answer any questions you may have and help you get started on your journey to owning your own Rate Money franchise.

Source: *Industry Intelligence Service Report MFAA. Available at: https://www.mfaa.com.au/professional-development/research/industry-intelligence-service-report

“Now all settled into my new house and enjoying the weather. Thanks to Ryan Gair and the team at Rate Money for making my own finances go through so smoothly. Amazing stuff!”
Dien Le

Founder, Finance & Coffee

“My experience with Rate Money was incredible. As a first home buyer who didn’t grow up in Australia, I really needed help navigating the property and mortgage landscape. A lot of businesses say that they go over and above and that they are on your side, but this is marketing fluff. With Rate Money, this is exactly what I experienced, plus much more. Thank you for helping me to own my dream home and making the journey so easy!”
Vicki Iszatt

 We want to stop Self-Employed people getting ripped off

Rate Money was created to give those brave enough to build a business for themselves a much fairer go with their home loans. So we broke free from the confines of the archaic banking system to develop better funding models and much better ways of getting Self-Employed Australians the finance and service they deserve. Because we’re Self-Employed too.