Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 58 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 58 Reviews
Buying a home is one of the most significant financial decisions you will make. At Raiti Finance, we go beyond the numbers to guide you through this journey every step of the way. With access to over 40 lenders and a range of loan options, we ensure you secure the right home loan that fits your individual needs.
Who We Help:
✔ First home buyers
✔ Next home buyers
✔ Property Investors
✔ Upsizers and downsizers
✔ Refinancers
How We Support You:
We understand that navigating the home loan process can feel overwhelming, especially with changing interest rates and lending criteria.
That’s why we provide personalised support, helping you with:
✔ Choosing a fixed rate loan vs a variable rate loan
✔ Selecting principal and interest repayments, or interest only repayments
✔ Understanding offset accounts to reduce interest costs
✔ Ways to maximise your borrowing capacity
✔ Explaining the impact of your credit history
✔ Loan pre-approval to strengthen your buying position
✔ Stamp duty / transfer duty information
✔ Accessing grants, concessions and waivers where eligible
✔ Lenders' Mortgage Insurance (LMI) guidance
✔ Building home equity for renovations or future investments
✔ Strategies to pay down debt faster
✔ Home loan education to help you make informed choices
No matter where you are in your homeownership journey, Raiti Finance is here to be your guiding partner through the home loan maze. Contact us today and book in a free, no-obligation discussion about your financial needs.
Our industry knowledge and lender relationships ensure you receive expert guidance and a tailored solution to secure the right home loan.
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We take the time to understand your unique situation, providing tailored home loan options that align with your objectives and future goals.
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Beyond settlement, we’re here to review your loan, ensuring your rate remains competitive and the loan fits your needs. We do check-ins to consider plans and assist finance.
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At Raiti Finance, we streamline the home loan process and guide you along the way. Here’s what to expect:
1. Initial Appointment
We start with a conversation to understand your goals, your financial position and any special considerations.
2. Fact-Finding and Assessment
We then collect your details and gather all supporting documents. A detailed financial assessment follows and we recommend the best loan option.
3. Loan Application
We submit your loan application with all compiled documentation to ensure a successful approval process.
4. Conditional Approval or Pre-Approval
For property buyers, pre-approval means confidently searching within your budget. For refinancers, it's approval subject to more information.
5. Formal Approval
After finding your property, or if refinancing, formal approval is finalised and loan contracts are issued and signed.
6. Loan Settlement
At settlement funds are released to complete the property purchase or refinance. If buying the property is yours!
7. Post-Settlement Support
We provide ongoing support, reviewing your loan and any future finance needs.
Book AppointmentGN
Gregory Nikolopoulos
I've been use Luisa for my home loan and her services was absolutely perfect thank you very much for your help Luisa I appreciate it I will recommend her services around of my friends and relatives.
DT
Dan Takotavuki
After going through so many Brokers, I finally got intouch with Luisa reading through some of the testimonials about their experience with Raiti Finance .I highly recommend Luisa Raiti. Her professionalism is exceptional. So knowledgeable and very helpful throughout the whole process. Was a very smooth transition into the new bank for Refinance. Thank you so much Luisa
dS
dan Safetly
Luisa provided exceptional service and professionalism throughout the entire process. She took the time to understand my needs, offered tailored advice, and went above and beyond to deliver outstanding results. Her communication was always prompt, transparent, and friendly, making what could have been a stressful experience completely seamless. I highly recommend Luisa to anyone looking for reliable and efficient financial support. Five stars well deserved!
Raiti Finance assists clients in Sydney’s Inner West, the Canterbury-Bankstown area and beyond. While we specialise in helping home buyers, investors, and refinancers across these regions, our services extend Australia-wide, ensuring personalised lending solutions no matter where you are.
Looking for in-person service? We cover:
✔ Marrickville
✔ Earlwood
✔ Dulwich Hill
✔ Newtown
✔ Leichhardt
✔ Ashfield
✔ Burwood
✔ Strathfield
✔ Balmain
✔ Drummoyne
✔ Concord
✔ Sydney CBD
✔ Canterbury
✔ Bankstown
✔ Belmore
✔ Roselands
✔ Campsie
✔ Padstow
✔ Panania
✔ Revesby
✔ Kingsgrove
✔ Bexley
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Your borrowing capacity is dependent on a number of factors including the current interest rates, your income, your expenses, your existing level of debt and your credit rating. This will also vary from lender to lender. Reach out and we can properly assess your maximum borrowing capacity by analysing your financial situation.
We offer access to a wide range of products from various banks and lenders across Australia, so we can find the best fit for you. Our team will guide you through the application process, considering factors like loan amount, interest rate, fees, and repayment terms, all to ensure you make an informed financial decision.
Stamp duty is a significant added cost when buying property. Our team will help you understand how to manage these costs effectively, also unearthing any potential savings you can make with first home buyer grants or stamp duty waivers (if applicable.)
Yes, we certainly can! We can help with car loans, personal loans, self-managed superannuation fund (SMSF) loans, commercial loans, asset and equipment finance, refinancing and debt consolidation.
A good credit history is essential in securing better interest rates and higher borrowing capacity. However, if your credit history isn't perfect, we'll work with you to find alternative options that suit your financial situation. We consider factors like loan amount, lenders mortgage insurance (LMI), and loan-to-value ratio (LVR) when tailoring solutions for you.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
At Raiti Finance we are accredited with over 30 of Australia’s leading lenders. These include the major banks as well as 2nd and 3rd tier lenders who can accommodate more specialised lending needs.
There are three main reasons to use a mortgage broker:
- We have access to multiple lenders and loan products.
- We search for the best loan option to suit your individual needs.
- We do all the leg work to make the process fast and simple.
Raiti Finance is based in Marrickville in Sydney’s Inner West. However, we absolutely assist clients Australia-wide. The loan process can be completed remotely via phone, email and video call. If you live in Sydney, in the Inner West or Canterbury Bankstown areas, we are more than happy to meet you in person if you prefer.
A fixed-rate home loan offers predictable repayments with a set interest rate for a specified period (e.g., 2-5 years), while a variable-rate home loan has an adjustable interest rate that may change over time. We can help you choose the best option based on your financial situation and goals.
Raiti Finance ABN: 59 664 526 925, Raiti Finance Pty Ltd ABN: 59 664 526 925 is an authorised credit representative (Credit Representative Number 547924) of QED Credit Services PTY LTD (Australian Credit Licence Number 387856) .
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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