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 54 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 54 Reviews
At Raiti Finance, we understand that buying a home is one of the most significant investments you'll ever make. Whether you’re a first-time buyer in Newtown or looking to upgrade in Balmain, our team is here to help you access Home Loan options from banks and lenders across Australia. With a range of products to suit diverse needs and situations, we strive to simplify the complexities of the property market for residents in Marrickville, the Inner West, and the Canterbury-Bankstown area.
When considering a Home Loan, understanding the interest rate is crucial. This can significantly impact your repayments over time. Raiti Finance offers guidance on both fixed interest rate home loans and those with variable home loan rates. Each has its benefits: fixed rates provide predictability, while variable rates offer flexibility. We'll help you calculate home loan repayments based on your chosen rate, ensuring you are fully informed.
Your credit history is another vital element in the Home Loan application process. A good credit history can open doors to better interest rate discounts and higher borrowing capacity. However, if your credit history is less than perfect, don’t worry—our team can still help you apply for a home loan that suits your financial situation. We consider factors such as loan amount, lenders mortgage insurance (LMI), and loan to value ratio (LVR) to tailor solutions specifically for you.
Stamp duty can also affect your home buying journey in suburbs like Strathfield and Dulwich Hill. We provide advice on managing these costs effectively. Additionally, getting pre-approved for a home loan can give you an edge when making offers, as it shows sellers you're serious and financially ready. Raiti Finance can assist with obtaining home loan pre-approval, ensuring a streamlined application process.
Understanding offset accounts and home equity can further enhance your borrowing experience. An offset account can reduce the interest paid over the life of the loan by offsetting your balance against the loan amount. Meanwhile, home equity might allow you to access funds for renovations or investments in the future.
Exploring different Home Loan options is essential, whether you're in Ashfield or Roselands. Raiti Finance offers access to a wide array of products from various banks and lenders across Australia, ensuring you find a solution that matches your needs. Our expertise extends to helping you apply for a home loan with ease, from gathering necessary bank statements to understanding the implications of fixed and variable interest rates.
Embarking on the journey of buying a home can seem complex, but with Raiti Finance by your side, you're not alone. We offer support and clarity every step of the way, from understanding Home Loan Rates to finalising your application. If you're ready to take the next step towards owning your dream home in Earlwood or beyond, contact us today. Let Raiti Finance help you make informed decisions that align with your financial goals and aspirations.
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your loan draws-down and you're good to go!
Book AppointmentIA
Isaac Ababio
I have been using Reti Finance, as my Mortgage Broker, and so far I am really satisfied with how they engage with their clients, readily available to answer all my questions and concerns. They are a well setup company for all your needs such as buying a property and others.
TK
Tarek Karam
Luisa is amazing! She refinanced my home loan when I thought no one could help me. I had trouble with my own bank because of my bad credit rating. Luisa was so helpful and knowledgeable and explained the whole process clearly. Thanks to her I also got extra cash I needed for my renovations. I highly recommend her. Thank you, Luisa.
MY
Manal Younes
I was referred to Luisa by a friend, and I couldn’t be happier with the experience. From start to finish, she made the loan application process easy to understand and incredibly smooth. I had spoken with a few other mortgage brokers before, but Luisa stands out in every way. She truly goes above and beyond, providing exceptional service that exceeded my expectations. She really puts the "more" in mortgage brokering! If you’re looking for someone knowledgeable, attentive, and committed to helping you every step of the way, Luisa is the one to trust. Highly recommended!
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.
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.
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.
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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