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.
