Are you tired of the hoops traditional banks make you jump through just to buy a home as a self-employed tradie? In this episode, Waz & Nic are talking with Ryan Gair, founder of Rate Money, about what it really takes to secure a mortgage as a self-employed person.

Ryan shares his story—from growing up in a small country town to making his way to Sydney and getting into the mortgage industry. He quickly discovered how self-employed face way more obstacles than salaried workers when applying for loans, even though they’re a huge part of the economy.

Ryan’s company, Rate Money, is all about supporting self-employed clients. They offer loan options like low doc loans, which are designed for people whose incomes fluctuate month to month. These loans don’t need the usual mountain of paperwork; instead, income can be verified with a simple form from an accountant.

Throughout the episode, Ryan shares some valuable tips, like building good credit and looking into family pledge loans. For example, these loans allow parents to use the equity in their property to help with the deposit, so you don’t need as much upfront savings. He also emphasizes the importance of working with an independent broker who can give you personalized advice.

If you’re a self-employed tradie navigating the mortgage maze, or just looking for some solid financial advice, Ryan’s insights are spot-on. Tune in to get the lowdown on making homeownership a reality, with a little expert help from Rate Money.

Get to know more about Ryan by connecting with him in LinkedIn and know more about Rate Money through Facebook and Instagram.