Ryan Gair

Our Story Rate Money was founded by a team of experienced mortgage professionals to support self-employed clients with their financing needs. Self-employed clients often need a higher degree of expertise and flexibility compared to other borrower types; reflecting the varying needs of the individual owners and businesses. Our clients need their advisors to “think outside the box,” and remove the restriction of old school bank ideology. They need someone to support their plans and aspirations, whether for home ownership, property investing, commercial property, purchasing via self-managed superannuation or other financing. The Difference Rate Money has a team of specialist advisors, experienced in understanding the dynamics and challenges of business owners. They are experts at reading and analysing business financials and looking beyond the numbers. Many are self-employed, and have a depth of knowledge and empathy greater than advisors from the banks and other institutions. We have a range of bespoke solution-driven loans for the self-employed, available exclusively through Rate Money. Products include a range of “alternative” documentation loans that do not require full financials and tax returns. Income can be verified using other supporting information that may be more current, providing a clearer assessment of a business owner’s ability to borrow.