Phone: 02 6106 9988
Email: info@rayz.com.au
Unit 4, Ground floor, 8 Chandler street, Belconnen ACT 2617

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Trusted Advisors Delivering Results

Rayz Financial Services: The Foundation of Your Dreams

We provide expert guidance and tailored solutions to help you secure your dream home loan.
Explore our services or contact us for a free consultation.

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Welcome to Rayz Financial Services

Your trusted partner in securing the best mortgage solutions tailored to your needs. Whether you’re a first-time homebuyer, looking to refinance, or investing in property, we’re here to guide you every step of the way.

Try our mortgage calculators or read our FAQs to get started. Apply online or contact us to schedule a consultation with one of our experienced mortgage brokers.

Why Choose Rayz Financial Services?

At Rayz Financial Services, we understand that obtaining a mortgage can be a daunting process. That’s why we are committed to providing you with expert tips and answers to common questions.

Expert Advice

Our experienced mortgage brokers are here to offer you the best guidance.

Exceptional Service

We strive to make your mortgage experience smooth and stress-free.

Personalized Solutions

We tailor our services to meet your unique needs.

Learn more about our services

Latest Articles

🏡 Buy Your First Home with Just 5% Deposit — 2025 Updates for Every State & Territory

Discover how the 2025 Australian Government 5% Deposit Scheme helps first home buyers purchase property with as little as 5% deposit and no Lenders Mortgage Insurance (LMI). Updated for all states and territories, the scheme offers higher price caps, stamp duty concessions, and thousands in upfront savings. Learn how Rayz Financial Services can help you qualify, compare loans, and secure your dream home faster — from Canberra to Sydney, Melbourne, Brisbane, and beyond.

Published on Oct 16, 2025

How to Choose the Right Property – A Complete Buyer’s Guide

Learn how to compare property prices, check condition, and assess growth potential so you can buy the right home with confidence.

Published on Aug 21, 2025

Our Simple Mortgage Process

At Rayz Financial Services, we make securing your home loan quick and easy. See our FAQ or use our calculators to get started.

Initial Consultation

We get to know your financial situation and home loan needs, then offer tailored loan options that fit your goals.

Document Gathering

You provide documents like ID, bank statements, and proof of income. We guide you to ensure you have everything needed.

Application Submission

With your documents ready, we help you complete and submit your loan application to the lender.

Conditional Approval

Receive conditional approval before finding a property, so you know how much you can borrow.

Property Valuation

After choosing a property, we arrange for a valuation to confirm its market value and suitability for the loan.

Formal Loan Approval

Once everything is in order, the lender gives formal approval, confirming the loan.

Document Signing

Review and sign the loan documents, finalizing the agreement with your lender.

Settlement

On settlement day, funds are transferred and you officially become a homeowner!

Find out more or book an appointment

Our Commitment

Personalized Service

We take the time to understand your unique financial situation and tailor our services to meet your specific needs.

Expert Guidance

Our team of experienced mortgage brokers offers professional advice and insights to help you make informed decisions.

Competitive Rates

We work with a wide range of lenders to secure the best possible rates for you.

Simplified Process

We streamline the mortgage process to make it as straightforward and stress-free as possible.

Ongoing Support

We are here to support you every step of the way, from initial consultation to closing and beyond.

Innovative Solutions

We embrace technology and creative thinking to deliver smarter, faster mortgage solutions for our clients.

Meet our team

What We Offer

Home Purchase Loans

Competitive rates and flexible terms to help you buy your dream home. Guidance from pre-approval to closing.

Refinancing

Lower your payments or access home equity. We compare options and guide you through the process.

Investment Property Loans

Expand your portfolio with tailored solutions. Support from pre-qualification to funding.

First-Time Homebuyer Programs

Special programs to make buying your first home easier. Pre-approval, grants, and closing support.

Debt Consolidation Loans

Combine multiple debts into one manageable payment. Application assistance and lender coordination.

Commercial Loans

Flexible funding for your business. Proposal preparation, application guidance, and funding support.

Read our mortgage tips & blogs

Get Started Today

Ready to take the next step? Book an appointment or contact us for a free consultation. You can also use our calculators or read our FAQs to get started.

Book Now

What Our Clients Say?

Discover more success stories in our blog or FAQ section.

Rayz Financial Services turned our homeownership dream into reality. Ramesh and Antima guided us every step of the way, answering all our questions and securing the best deal. The entire process was smooth and stress-free. We couldn’t have asked for a more supportive and professional team. Thank you, Ramesh and Antima, for helping us find our perfect home!

Home Loan Service

Angela F., Canberra

I needed a car loan fast, and Rayz Financial Services delivered beyond my expectations. Ramesh customized a loan that fit my budget perfectly and made the process hassle-free. Now, I’m driving my dream car, all thanks to their expertise. I highly recommend Ramesh and the team at Rayz for anyone needing reliable car loan services!

Car Loan Service

Khadka A., Sydney

Refinancing my home loan felt daunting, but Antima at Rayz Financial Services made it simple. She found me a better rate and explained everything in a way that was easy to understand. The savings I’m seeing now are amazing, and the whole experience was stress-free. Thinking of refinancing? Go with Rayz!

Refinancing

Kasyap M., Brisbane

Rayz Financial Services helped us secure our first investment property. With their deep knowledge, Ramesh and Antima provided clear advice and tailored the perfect loan for our needs. Thanks to their exceptional service, we’re proud property investors. Rayz, we trust you for all our future ventures!

Investment Property Loan

Adhikari K., Melbourne

Our Lenders

With thousands of mortgage products from over 35 lenders, whether it’s a first home, an investment property, refinancing or a construction loan, we’re confident of finding you the right home loan match!