Your dream property is closer than you think! At Rizon Finance, we’re more than just a mortgage broker— we’re your partners in securing your loan pre-approval. Whether you’re a first home buyer, upgrading, refinancing, or investing, our team of experts provides tailored solutions designed to make your homeownership journey simple, fast, and stress-free.
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Purchasing property is a significant milestone for many Australians, whether buying a home to live in or investing in your future. Navigating the property market can be daunting, but with the right guidance and access to tailored Home & Investment Loan options from banks and lenders across Australia, the journey becomes far more manageable. At Rizon Finance, we help you find the best loan that aligns with your financial situation and property goals. Understanding your borrowing capacity, credit history, and available loan products is crucial when taking this step.
When applying for a home loan, assessing your financial situation is the first step. Your borrowing capacity depends on several factors, including your income, expenditures, and the amount you wish to borrow. Additionally, understanding the Loan to Value Ratio (LVR) will determine if you need Lenders Mortgage Insurance (LMI), which covers lenders if you default on your loan. At Rizon Finance, we can guide you through calculating loan repayments and understanding how your credit history impacts your application process.
Choosing the right loan option is vital. Prospective property buyers must decide between fixed interest rate home loans and variable home loan rates. Fixed interest rate home loans provide stability with set repayments, allowing you to manage your finances without the unpredictability of market changes. Conversely, variable interest rate loans fluctuate with the market, potentially offering cost savings when rates fall. Furthermore, exploring interest rate discounts can make a significant difference in your home loan interest rate over time. Rizon Finance offers mortgage advice to help you weigh these options, ensuring you make informed decisions based on current Home Loan Rates.
Before you apply for a home loan, it's essential to get pre-approved. Pre-approval offers a clear understanding of how much you can afford to borrow, giving you an advantage when negotiating property purchase prices. Being prepared also includes understanding additional costs like stamp duty, which is often overlooked but can impact your overall budget. By having key documents ready, such as bank statements and proof of stable credit history, the Home & Investment Loan application process becomes more efficient and less stressful. At Rizon Finance, we pride ourselves on a streamlined application process, helping clients access the best possible terms.
In addition to obtaining a loan, prospective buyers need to consider features like offset accounts, which can reduce the interest paid over the life of the loan. Moreover, if you already own a property, your home equity can be leveraged to purchase an investment property, providing yet another reason to consider property investment opportunities seriously.
Rizon Finance strives to simplify your property purchasing journey with tailored mortgage advice and an understanding of the Australian property market. Whether you are considering a home loan or exploring investment loan options, we aim to support you in accessing competitive interest rates and navigating the detailed application process. Our focus is on meeting your needs with the right financial solutions, ensuring you find the best way forward.
Take the first step towards securing your dream property by exploring our comprehensive Home & Investment Loan services. Allow Rizon Finance to guide you with expertise and care, bringing clarity and assurance to your property purchase journey. Contact us today to start your Home Loan pre-approval and take advantage of our mortgage broking services tailored for Australian buyers.
In 60 seconds, understand how much you can borrow to buy your dream home with a mortgage
Get your Borrowing CapacityWe’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 Service: Our advice is completely free, lenders payus, not you. Any commissions are disclosed upfront for complete transparency.
🏠 Tailored Solutions: Whether you need flexibility with variable rates, stability with fixed rates, or special features like offset accounts, we’ll find the right fit.
💡 Expert Guidance on First Home Buyer Grants: We help you navigategrants, stamp duty concessions, and more to save you thousands.
📱 Convenient & Mobile: As a mobile mortgage broker, we can meet youonline, at home, or even your favourite café. Our services are availableboth in person and as an online mortgage broker.
🌐 Extensive Lender Network: Compare offers from top banks and lenders across Australia to find competitive rates and terms that work for you.
🚀 Fast Pre-Approval: We’ll get you pre-approved quickly so you can makeoffers with confidence and avoid missing out.
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).
Let Rizon Finance be your guide in this exciting journey. We simplify the complexities, negotiate the best deals, and ensure you have all the support you need to move into your dream home.
With Rizon Finance, your first home is closer than you think.
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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 ...
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anthony jones
daniel was amazing to deal with nothing was to much trouble when it came to helping us highly recomended
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)
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.
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.
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.
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.
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.
Rizon Finance can understand your business and source great deals for Self-employed applicants.
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.
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
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.
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.
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.
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.
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.
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.
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.
Rizon Finance ABN: 90 232 048 159, Tomlinson, Daniel ABN: 90 232 048 159. Credit Representative #561000 is authorised under Australian Credit License #384324.
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.
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