Straightforward guidance about home loans, refinancing, first-home buying and property finance from your Canberra-based mortgage specialists.
Explore answers to the questions we are commonly asked. Every lending situation is different, so our team can also provide guidance based on your individual circumstances.
Rayz provides personalised guidance rather than a one-size-fits-all recommendation. We compare suitable options from more than 30 lenders and support you from the first conversation through to approval and settlement.
In most residential lending situations, clients do not pay a separate broking fee because the lender pays us a commission. Where any fee may apply, we will disclose and explain it clearly before you proceed.
We assist with first-home buyer loans, owner-occupied loans, refinancing, investment property finance, construction loans and a range of fixed, variable, split and interest-only loan structures.
Timeframes depend on the lender, loan type, application complexity and whether all documents are ready. Many applications take around 5 to 15 business days, but some may be approved sooner or require additional time.
Yes. We can help you understand your borrowing capacity, deposit requirements, lender criteria, possible government support, pre-approval and the steps involved from application through to settlement.
Book an appointment or call us on 02 6106 9988 . We will discuss your goals, financial position and the next steps for comparing suitable loan options.
Get personalised lending guidance from Rayz Financial Services.
