Rizon Finance - Mortgage & Finance Broker, servicing nation wide

Expert solutions for Property & Business Finance

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Rated 5 from 7 Reviews

First Home Buyers

Unlock Your Dream Home, First Home Buyer solutions tailored for you

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First Home Buyers

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you

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Home Loans

Refinancing

Whether you're coming off a fixed rate or on a variable rate, speak with us about your loan options

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Refinancing

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Our Services

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you

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Investment Loans

We have access to hundreds of investment loan options, let us help you with your investment loan

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Refinancing

Whether you're coming off a fixed rate period or currently paying a variable rate, chances are there are a range of better loans out there

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First Home Buyers

We can help you understand what grants and discounts you're eligible for and get you into your first home

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Construction Loans

Turn your building plans into a reality with a construction loan

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Business Loans

Time to grow your business? We can help you grow with a business loan

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Asset Finance

Whether you're wanting a new vehicle, plant or machinery, we're on your side

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Equipment Finance

Need to buy a vehicle or equipment? We can help with Equipment Finance

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JS

Jayden Shepard

Dan was extremely helpful and knowledgable. Helped us with all our questions with a fast response each time and got us ...

AM

Ashlea Miller-Pickersgill

Dan helped us get a house after being out of the market for a year or so. We've sold and bought houses previously but this time was definitely the easiest and most relaxed. Even being in a different state his programs were easy to use when ...

aj

anthony jones

daniel was amazing to deal with nothing was to much trouble when it came to helping us highly recomended

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About

At Rizon Finance, the mission is simple: to simplify the complex, remove uncertainty, and give people the confidence to succeed.Whether it’s buying a first home, refinancing, investing, or securing business finance, the focus is on making the process clear, stress-free, and empowering.

At the core of everything Rizon Finance does is a simple belief: when you succeed, we succeed. That’s why the time is taken to truly understand your goals, dreams, and financial situation to deliver a tailored solution that works for you. And don’t worry—everything is explained without the confusing jargon (unless you’re into that).

With over 20 years of experience running a business and being self-employed, Rizon Finance knows the highs, lows, and everything in between when it comes to making big financial decisions. It’s about more than just finding the right loan—it’s about building trust, removing the guesswork, and empowering people to achieve their dreams.

Why Choose Rizon Finance?

  • Experience That Counts: With decades of real-world business and financial expertise, Rizon Finance knows how to create practical, tailored solutions for any situation.
  • Clear and Honest Advice: No smoke and mirrors—just straightforward, transparent advice that works for you.
  • Tailored to You: Whether it’s a first home, an investment property, or business finance, every solution is customised to meet your specific needs.
  • A Little Humour Helps: Mortgages might be serious, but that doesn’t mean they have to be boring. There’s always room for a laugh along the way.

At Rizon Finance, the goal isn’t just to help you secure a loan, it’s to help you build confidence, remove stress, and move forward with clarity.

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Frequently Asked Questions

What government assistance is available for first home buyers?

The Australian Government offers a number of schemes to assist first home buyers, such as:
• A $10,000 First Home Owner Grant when building a new home valued under $750k
• Stamp duty exemptions for properties valued less than $600k
• Concessional stamp duty rates on properties valued at $600-750k
• Access to shared equity and 5% deposits through the Victorian Homebuyers Fund (VHF)
• Federal schemes, including the Home Guarantee Scheme, Help to Buy, and First Home Super Saver Scheme (FHSSS)

Can Rizon Finance help me if I’m a Contractor?

Rizon Finance specialise in this area as we understand it can be a challenge as not all lenders would consider these circumstances. We have access to niche lenders that accommodate this type of lending.

What are the different types of home loans available?

There are a variety of home loan products available, each with its own features and benefits. Some common types include:
• Fixed-rate loans: Offer certainty in your repayments over a fixed term.
• Variable-rate loans: Interest rates can fluctuate with market conditions.
• Interest-only loans: You only repay the interest on the loan for a set period, then begin repaying the principal amount.
We can explain the different loan options and help you choose the one that best suits your needs.

Can Rizon Finance help First Home Buyers?

We certainly can. We help you navigate what assistance may be available to you as we understand getting your foot on the ladder as a first home buyer can be a difficult and daunting process.

Can Rizon Finance help me if I’ve had credit problems?

We understand there are many reasons why people may experience forms of financial difficulty/credit problems and work with each scenario to understand them. Rizon Finance can speak to each lender to fight your case to secure lending.

What is a comparison rate and why is it important?

The comparison rate is a more accurate reflection of the true cost of a loan than the advertised interest rate. It includes the interest rate as well as most fees and charges associated with the loan. Comparing the comparison rates of different loans will help you find the most cost-effective option.

Can Rizon Finance help me if I’m Self-employed?

Rizon Finance can understand your business and source great deals for Self-employed applicants.

Why choose Rizon Finance?

We’re more than just a home loan broker—we’re your partners with all your borrowing needs. Here’s what sets us apart:
• 💰 Free, Transparent Advice - lenders pay us for the service. Any commissions we will receive are disclosed before you proceed.
• 🔍 Extensive Lender Network: Access to top banks and many specialist lenders across Australia.
• 🏡 Tailored Loan Options: Whether you prefer variable rates for flexibility or fixed rates for stability, we’ll find the best fit for your circumstances
• 💡 Expert Guidance on First Home Buyer Grants: We help you navigate grants, stamp duty concessions, and more to save you thousands.
• 📲 Convenient & Mobile: Need an online mortgage broker or prefer a face-to-face meeting? We’re flexible to suit your needs depending on where you reside.

Why use a mortgage broker?

There are many benefits to using Rizon Finance. Here are a few:
• Access to a wider range of lenders: Rizon Finance work with a large and reputable panel of lenders, so we can find you a loan that best suits your needs and financial situation, even if you don't qualify for a loan from your own bank.
• Personalised service: Rizon Finance take the time to understand your individual circumstances and goals, and then recommend the best loan options for you.
• Expertise in navigating the loan application process: Rizon Finance assist with all the paperwork and liaise with lenders on your behalf, saving you time and stress.
• Compliance: Rizon Finance operate in a highly regulated environment and provide recommendations. Therefore, we have a duty to all our clients to provide appropriate products in the best interests of our clients

How much can I borrow?

The amount you can borrow will depend on a number of factors, including your income, expenses, savings, credit score, and the property value. We can help you determine your borrowing capacity and ensure you borrow responsibly.

What documents do I need to apply for a home loan?

The documents you will need to provide will vary depending on your individual circumstances and lender, but some common documents include:
• Proof of income (payslips, tax returns)
• Photo ID
• Bank statements
• Evidence of savings deposit
• Details of the property you are purchasing (contract of sale)
• Details of assets
• Statements for liabilities
Rizon Finance will provide you with a complete list of required documents once we begin working with you.

How long does the loan application process take?

The loan application process typically takes 4-6 weeks, but this can vary depending on the complexity of your application and the lender's processing times. We will keep you updated throughout the process.

Why Work with a Remote Mortgage Broker?

Busy schedule? We’ve got you covered! Our remote service means we are not tied to a desk and an office. All meetings can be done virtually and information shared via our simple system that you will be given access to. This makes the process quick and simple saving us both valuable time to get the paperwork done.

What happens if my loan application is declined?

Don't despair! We can help you understand why your application was declined and work with you to improve your chances of approval in the future. This may involve improving your credit score, saving a larger deposit, or finding a guarantor.

What fees do Rizon Finance charge?

Rizon Finance do not charge you any fees. We get paid a commission by the lenders. All commissions are disclosed and discussed upfront before you proceed with an application.

What are the ongoing costs associated with a home loan?

In addition to your mortgage repayments, there can be a number of ongoing costs associated with a home loan, such as establishment fees, account fees, and lenders mortgage insurance (if applicable). Rizon Finance will help you understand these costs and factor them into your budget.

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