Headquarters:
Level 4, Suite 4.02, 54 Miller St, North Sydney, NSW 2060
Year founded:
2019
Number of employees:
130
Phone:
1300 936 668
Email:
Marketing@ratemoney.com.au
Website:
ratemoney.com.au
LinkedIn:
au.linkedin.com/company/ratemoney
“We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions”
Erica Kofie, QBE
Ryan Gair
Chief Executive Officer and Director
Glenn Maynard
Director
Luke Sheales
Director
Leadership
With an unwavering commitment to supporting Australia’s self-employed, Ryan Gair brings positivity and enthusiasm to his role as CEO of Rate Money. His passion for championing “the unsung heroes of the nation” resonates throughout the organisation. Fueled by a desire to address the mistreatment of the self-employed in the mortgage sector, Gair co-founded Rate Money in 2019. Prior to this, he amassed 17 years of experience in key roles, including state sales manager at AFM and general manager of a RAMS franchise for six years, followed by three years as a RAMS franchisee. His branches consistently ranked among the top performers in the RAMS network, reflecting his exceptional leadership and expertise.
“We’re on your side because all of us are self-employed to.”
– Ryan Gair, Chief Executive Officer and Director
Chief Executive Officer and Director
Ryan Gair
With 25 years of mortgage industry expertise as a self-employed professional, Glenn Maynard has made notable contributions. Over a decade, he owned The Mortgage Store, co-founded Think Tank Group for 17 years, directed Artisan Finance for 14 years and managed a RAMS franchise for five years. His extensive experience positions him as a seasoned leader in the field, dedicated to delivering exceptional service and tailored solutions to clients. With a track record of success and a commitment to excellence, Maynard looks forward to continuing to serve and empower individuals in their financial endeavours.
“A lot of people refer to the self-employed as ‘heroes’. We actually treat them that way.”
– Glenn Maynard, Director
Director
Glenn Maynard
With over 24 years of experience in mortgage lending, Luke Sheales has held prominent roles such as state manager at Access Home Loans, state manager of e-Choice, and national sales manager at Mortgage House. He has also served as an associate to the MFAA and operated as a RAMS franchisee for eight years. Sheales brings a wealth of expertise and industry knowledge to his role at Rate Money, contributing to the company’s success in serving self-employed individuals in their property purchasing and investing journey.
“We always start with a ‘yes’ rather than a big bank ‘no’ because you deserve more respect.”
– Luke Sheales, Director
Director
Luke Sheales
“We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions”
Erica Kofie, QBE
“We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations”
Erica Kofie, QBE
Leadership
“We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations”
Erica Kofie, QBE
“We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions”
Erica Kofie, QBE
Leadership
Anisha Mukherjee
Senior Product Owner
Anisha Mukherjee is a senior product owner at Helia. Since joining in 2021, she has been a member of the digital solutions team, driving growth for Helia’s business and customers. Mukherjee has 16 years of experience in the software industry, working across the insurance and financial services sectors. She is passionate about the Agile framework and loves working on product strategies and interacting with stakeholders to create product roadmaps.
Mukherjee holds a bachelor’s degree in computer applications from BIT Mesra and a master’s degree in computer applications from SASTRA University, India.
Senior Product Owner
Anisha Mukherjee
Damian Percy
General Manager, Securitisation
Damian Percy is a creative, lateral-thinking and outcomes-driven senior leader with over 20 years of experience in financial services and a deep and broad understanding of the Australian home loan market. He is a highly respected commentator and advisor to the industry, with practical expertise across all facets of the sector, including distribution, operations, product design, technology and regulation.
Percy understands that, ultimately, all business is problem-solving, and he applies his rare blend of industry expertise and innovative thinking to build strong businesses and great customer outcomes.
Percy is a past director and fellow of the Mortgage and Finance Association of Australia, holds degrees in arts and law and was a founding member of the nation’s leading Elvis parody act between 1992 and 2004.
General Manager, Securitisation
Damian Percy
As an award-winning home loan provider specialising in self-employed lending, Rate Money has achieved remarkable success with a widespread presence spanning 32 franchises nationwide. Settling over $7 billion in home loans in just under five years, the firm stands out for its market-leading product innovations, particularly in eliminating clawbacks, application fees, valuation fees and risk fees for self-employed low-doc customers. This bold move underscores Rate Money’s unwavering commitment to addressing the unique needs of this often overlooked demographic.
Driven by a vision of continuous improvement, Rate Money remains dedicated to enhancing the customer experience by streamlining processes and delivering tailored solutions that cater to the specific requirements of self-employed individuals.
Rate Money has earned a reputation as a trusted industry partner through its innovative approach and relentless dedication to customer satisfaction. As it continues to expand its reach and influence, the firm remains firmly committed to providing cutting-edge solutions that empower self-employed individuals on their financial journey, with a firm focus on innovation.
“We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations”
Erica Kofie, QBE
Tony Bird
Chief Risk Officer
Mark Hewitt
General Manager, Industry and Partnership Development
Brad Wearn
Chief Technology Officer
Simon Williams
Chief Strategy & Distribution Officer, Arch Insurance International
and Active Underwriter, Syndicate 1955
Tony Bird has been working in the banking and finance industry for 25 years, predominantly in credit risk, collections and portfolio management. His strength is bringing creative, data-driven solutions to safely grow retail portfolios. He develops strong relationships with internal and external partners to maximise profit after capital charges. Bird’s management style is collaborative and focused on achieving ambitious targets.
Chief Risk Officer
Tony Bird
Mark Hewitt has a wealth of knowledge and industry experience, with 40 years of experience in financial services. He is a member of the executive team at aggregator Australian Finance Group (AFG), which he joined in 2006 as general manager of broker and residential and is currently AFG’s general manager of industry and partnership development.
Prior to joining AFG, Hewitt spent 20 years with ANZ, including four years in ANZ’s third-party distribution area, and later became national manager of key broker relationships. He has also recently been co-chair of the Combined Industry Forum and has played a key role in the industry reform process.
Hewitt’s significant skills encompass operations, communications, relationship management, credit management, asset finance, human resources, contract and sponsorship negotiation, and sales. He was named on the MPA’s Global Mortgage 100 list in both 2020 and 2021. He is also a director of the Mortgage and Finance Association of Australia (MFAA), Think Tank Group and Mortgage Processing Services.
General Manager, Industry and Partnership Development
Mark Hewitt
Brad Wearn, serving as the chief technology officer, brings extensive expertise and forward-thinking approaches to the evolving landscape of IT services procurement and management. With a keen eye on industry trends and organisational needs, he recognises the shift toward purchasing IT capabilities “as a service,” acknowledging both its agility and potential security risks.
In his role, Wearn navigates the challenges posed by “shadow IT” and the impact it can have on organizational spending and security. Embracing an IT delivery model focused on flexibility and efficiency, he champions the adoption of “as a service” platforms. This approach ensures transparency in usage and enables the implementation of necessary controls to safeguard critical data and systems.
By spearheading this transformation, Wearn moves away from defending a large IT budget toward facilitating the adoption of tailored technology solutions aligned with evolving business needs. With an unwavering commitment to driving innovation and maximizing value, he sees himself at the forefront of an exciting journey as a CIO, navigating the ever-changing landscape of technology with enthusiasm and expertise.
Chief Technology Officer
Brad Wearn
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
“Despite the challenging claims environment, QBE’s coverage and risk appetite have remained consistent. Brokers and customers know and understand our risk appetite and the cover we offer, providing them with certainty for the future,” says Erica Kofie, head of cyber proposition. “We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions.”
Kofie adds, “Through 2022, QBE successfully delivered significant growth in the cyber sector, reflecting the depth and strength of our team. We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations.”
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Broker communication, training and development
BDM support
Turnaround time – claims
Broker's Pick – Personal Accident and Illness Insurance
Brokers’ Pick – Professional liability
Small business