About 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:
Who We Are
At Rayz Financial Services, we're more than just a mortgage brokerage — we're your trusted partner on the journey to financial freedom. Based in Canberra, we specialize in delivering smart, strategic, and highly personalized mortgage solutions that empower both individuals and businesses to make confident property decisions. Whether you're a first-home buyer, investor, or looking to refinance, our approach is built around your unique needs, goals, and long-term success.
Our Expert Team
Behind every successful mortgage is a team of experts who care. Our brokers bring decades of combined experience across finance, banking, and lending sectors. What sets our team apart is not just technical expertise — it's our commitment to genuinely listening, understanding your situation, and going the extra mile to find the loan that fits you best.
Antima Bisural Kandel
Director, Mortgage Consultant / Registered Nurse
Antima Bisural Kandel is a dedicated professional with diverse expertise, serving as the Director, Mortgage Broker, and Consultant at Rayz Financial Services. Alongside her leadership role, she brings her experience as a registered nurse and an assistant real estate agent, showcasing her commitment to serving individuals and families in multiple capacities. Antima is passionate about providing personalized financial solutions and guiding clients through the complexities of the mortgage process with care and precision. Her unique background, combined with her attention to detail and dedication to achieving the best outcomes, makes her an invaluable partner in helping clients achieve their homeownership and financial aspirations.
Ramesh Kandel
Director, Mortgage Consultant
Ramesh Kandel is the Director of Rayz Financial Services and a highly experienced mortgage broker and consultant dedicated to helping individuals and families achieve their financial and homeownership dreams. With extensive knowledge of the mortgage market and a personalized, client-focused approach, Ramesh provides tailored financial solutions to meet diverse needs. At Rayz Financial Services, he leads with a commitment to professionalism, transparency, and exceptional service, ensuring clients enjoy a seamless and stress-free journey through the loan process. Whether navigating complex financial scenarios or securing competitive loan options, Ramesh is a trusted expert passionate about empowering clients to build a secure financial future.
Our Mission
Our mission is simple yet powerful — to make homeownership and financial clarity accessible to everyone. We believe navigating the mortgage landscape shouldn't be overwhelming. That's why we focus on simplifying the process, delivering clear and honest advice, securing competitive rates, and removing the guesswork from your decision-making. At Rayz, we turn your property goals into practical plans — with confidence, clarity, and care.
Frequently Asked Questions
Get expert answers to your home loan questions from the trusted team at Rayz Financial Services — your Canberra-based mortgage specialists.
Rayz is more than just a broker—we're your trusted advisors. As a Canberra-based team, we provide unbiased loan recommendations from over 30 lenders and stay with you every step of the way.
No, our services are usually free. We're paid a commission by lenders—this does not affect your loan amount, interest rate, or repayment structure. Our focus is always on your best interest.
Whether you're a first-home buyer, refinancing, investing, or looking to upgrade—Rayz offers tailored solutions including variable, fixed, interest-only, and low-doc loans.
Depending on your situation and the lender, approval usually takes 5 to 15 business days. We assist with paperwork, negotiate on your behalf, and keep you updated throughout.
Absolutely! Rayz specialises in helping first-home buyers access government grants, compare lenders, and understand key steps—like pre-approval, conveyancing, and settlement.
Start with a free consultation. Call us on 02 6106 9988 or book online via our contact form. We'll discuss your goals, finances, and walk you through your best options.
Core Values
Integrity
Building trust through honest and transparent practices
Customer Focus
Dedicated to personalized solutions and exceptional service
Excellence
Exceeding expectations through professional expertise
Trusted Advisors Delivering Results
Rayz Financial Services: The Foundation of Your Dreams
