Home Loans Simplified for You

At Rizon Finance, we're Mortgage & Finance Brokers helping clients Australia-wide get into their home sooner with a range of Home Loan options

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Find Your Perfect Home Loan with Rizon Finance

Your dream home is closer than you think! At Rizon Finance,we’re more than just a mortgage broker—we’re your partners in securing the bestloan for your needs. Whether you’re a first home buyer, upgrading, refinancing,or investing, our team of experts provides tailored solutions designed to makeyour homeownership journey simple, fast, and stress-free.

Why Choose Rizon Finance as Your Mortgage Broker in
Victoria?

**We offer more than just a loan—we offer peace of mind.

Here’s why clients trust us:**

  • 💰Free, Transparent Service: Our advice is completely free, lenders payus, not you. Any commissions are disclosed upfront for completetransparency.

  • 🌐Extensive Lender Network: Compare offers from top banks and lendersacross Australia to find competitive rates and terms that work for you.

  • 🏠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.

  • 📱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.

  • 🚀Fast Pre-Approval: We’ll get you pre-approved quickly so you can makeoffers with confidence and avoid missing out.

Our Home Loan Services

At Rizon Finance, we offer a wide range of home loanservices to suit every need:

1. First Home Buyer Loans
We simplify the loan process and help you access First HomeOwner Grants (FHOG) and stamp duty concessions to reduce your upfront costs.

2. Refinancing
Looking for a better deal? We’ll help you refinance yourhome loan and save on your monthly repayments or access equity for your nextbig goal.

3. Property Investment Loans
Thinking of growing your portfolio? Our experts will guideyou in choosing the right loan structure to maximise your investment returns.

4. Construction Loans
Building your dream home? We offer loans designed to supporteach phase of your construction journey.

Real Client Success Story
“We were first home buyers with no idea where to start.Rizon Finance walked us through everything, helped us secure a grant, and gotus a great rate. We couldn’t be happier!” – Sarah & Stuart, Bannockburn

Your Next Steps to Homeownership

Ready to secure the best home loan? Contact our expertteam today and:
✅Discover your borrowing power.
✅Get pre-approved quickly.
✅Gain access to exclusive rates and flexible terms.

**👉 [Get Started Now] – **Takethe first step towards your new home!

finding your dream home loan has never been easier.

With Rizon Finance, you’re not just getting a loan—you’re
gaining a trusted partner who’s dedicated to helping you achieve your
homeownership goals. Whether you’re looking for a local mortgage broker in
Victoria, an online mortgage broker for convenience, or a mobile mortgage
broker to meet you in person, we’ve got you covered.

Find out how much you can borrow

In 60 seconds, understand how much you can borrow to buy your dream home.

Get your Borrowing Capacity
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Our Simple 5-Step Process

Step 1: Initial Consultation

  • Briefchat to understand your goals and circumstances.
  • We’llexplain your options and outline the next steps.

Step 2: Information Gathering

  • We’llreview your financials, assets, and property goals.
  • Thishelps us create a complete picture to recommend the best loan options.

Step 3: Personalised Recommendations

  • Receivea formal, written recommendation with the best loan products, interestrates, and any associated costs.
  • We’llwalk you through the details to ensure you’re comfortable and informed.

Step 4: Pre-Approval or Application Submission

  • Onceyou’ve chosen your loan, we’ll submit the application and handle thepaperwork.
  • Withpre-approval, you can confidently make offers on your dream home.

Step 5: Settlement Day (Moving Day)

  • Yourloan settles, the funds are released, and the keys to your new home are
    yours.
Book Appointment

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

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.

Ready to get started?