Home Loans

Helping residents in Marrickville, the Inner West of Sydney and Canterbury-Bankstown refinance their Home Loan or Investment Loan

Rated 5 from 50 Reviews

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Whether it’s your First Home, Next Home or Dream Home, get into your property sooner with a Home Loan

We're your trusted partner in making your dream of homeownership a reality. Whether you're stepping into your first home, upgrading to your next one, or finally attaining your dream home, we're here to help you secure the perfect Home Loan to suit your needs.

At Raiti Finance, we understand that navigating the world of Home Loans can be daunting. That's why we offer a comprehensive range of lending options, giving you access to thousands of products from lenders across Australia. From major banks to credit unions and building societies, we've got you covered. Our team is dedicated to supporting you every step of the way, from initial consultation to settlement. We'll do the legwork for you, ensuring that you always get the best possible interest rate on your home loan.

When exploring your Home Loan options, it's important to consider the key attributes of each loan type:

Principal and Interest Home Loan: This is the most common type of Home Loan, where you not only pay the interest on the borrowed money but also gradually repay the loan amount itself. It's a great option for building equity in your property over time.

Interest Only Home Loan: With an Interest-Only Home Loan, you only pay the interest on the borrowed amount for a specified period, typically around 5 years. While this can result in lower initial repayments, it's essential to plan for the eventual repayment of the principal amount.

Variable Rate Home Loan: A variable rate Home Loan offers flexibility, with the interest rate fluctuating in response to changes in the economy. While this can mean lower interest rates at times, it's important to budget for potential fluctuations in your repayments.

Fixed Rate Home Loan: Opting for a Fixed Rate Home Loan means locking in a set interest rate for a predetermined period, usually 1 to 5 years. This provides stability and predictability, making it easier to budget without worrying about changes in interest rates.

As proud members of the Mortgage and Finance Association of Australia, we adhere to the highest standards of professionalism and ethics. Whether you're in the Inner West of Sydney or the Canterbury-Bankstown area, including suburbs like Marrickville, Dulwich Hill, Earlwood, Newtown, Leichhardt, Drummoyne, Concord, Strathfield, or Ashfield, we're here to help you achieve your property goals.

Get in touch with Raiti Finance today and take the first step towards securing your future with the ideal Home Loan solution.

Book an appointment with our expert Mortgage Broker

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Getting a Loan

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!

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Joseph Safetly

Luisa at Raiti Finance went above and beyond in handling my complex home loan process, which involved purchasing through a company and trust structure with four members. With over 500 documents required by the bank, the process was detailed and lengthy, yet Luisa expertly managed every aspect to ensure a smooth and efficient outcome. Her accounting background proved invaluable as she discussed multiple financial scenarios with me, patiently guiding me through every step. I lost count of the many conversations we had, but Luisa consistently dedicated her time and gave my case 110% attention. Thanks to her, I secured an incredible rate that was both competitive and tailored to my needs. Highly recommended for anyone seeking a top-notch mortgage broker!

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Dammika Vitanage

If you require a reliable smart efficient friendly person to help you to get the best mortgage deal there is no one that is competent as Luisa. Simply the best I have known.

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Teena Slaibi

I recently had the pleasure of working with Luisa at Raiti Fiance to secure a car loan as a single mum, and I couldn't be more grateful for the experience. From the very beginning, Luisa was incredibly understanding and supportive, taking the time to listen to my needs and concerns. They guided me through the entire process with clarity and patience, making sure I felt comfortable every step of the way. Thanks to their expertise, I was able to secure a loan that fit my budget perfectly, allowing me to get a reliable car that makes daily life so much easier. What stood out most was Luisa's genuine commitment to helping me succeed. They went above and beyond to find the best rates and options available, all while ensuring I understood everything. I truly felt like I had someone in my corner. I highly recommend Luisa and Raiti Finance to anyone looking for financial guidance. They made what could have been a stressful process incredibly smooth and empowering. Thank you for helping me take this important step for my family!

Frequently Asked Questions

How much can I borrow?

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.

Can you assist with more than just home loans?

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.

Can you only help with Home Loans?

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.

Which lenders do you compare?

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.

Why use a mortgage broker?

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.

What areas do you service?

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.

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