Tailored Mortgages

To Meet Your Needs

We’ve Got You Covered

Our specialist knowledge helps us provide a customised mortgage solution for each and every one of our clients. Let us help you find the ideal loan for you.

First Home Buyers

The ideal way to buy your first home is with the knowledge and support of an experienced mortgage broker.

Refinancing

If you’re thinking about refinancing your mortgage, we’ll help you understand how it works and decide if it’s right for you.

Property Investor

If you want to invest in property, we’ll calculate what you can afford and guide you through the process.

Why choose Empower Financial?

At Empower Financial, we believe that all of our customers are unique and deserve to be treated as such. That’s why we offer a variety of home loan products tailored to your individual needs. We begin by listening to your requirements, tailoring a financial solution that fits your lifestyle and then advising you on how to proceed. Our team take considerable care in helping our customers find the loan that’s suitable for them. Based in Melbourne, our financial services are available via phone or video calls. Contact us today and our friendly team will help you empower your finances.

Clients

Years In Business

Employees

Meet Ryan Loh

As a Mechanical Engineer, I was able to utilise my problem-solving skills and passion for people to build an incredibly successful career. When I found myself wanting to work more directly with people, I knew that becoming a mortgage broker would be the perfect next step for me.

As a mortgage broker, I am able to use my critical thinking skills to help clients find the right loan for their unique situation. I also enjoy giving them advice on how they can refinance their homes or invest in property.

My job is all about helping people find solutions. Whether they’re looking for ways to improve their current financial situation or they want to buy their first home, I love helping them achieve their goals!

Awards

What Our Clients Say

Alex Tan
Alex Tan
2026-04-29
I had an excellent experience working with Ryan as my mortgage broker. From the very beginning, he was professional, responsive and incredibly knowledgeable. What really stood out was his ability to guide me through every step of the process with clarity and patience. He took the time to understand my situation, provided well-structured options and ensured I was comfortable with every decision along the way. I also really appreciated that Ryan never rushed anything unnecessarily. He gave me the time and space to consider my options without any pressure, which made a big difference in such an important financial decision. Ryan and Sabrina handled everything seamlessly and kept me informed throughout. Their communication was prompt, transparent and always reassuring, which made a stressful process feel much more manageable. Thanks to Ryan's expertise and dedication, I was able to secure a great outcome and successfully settle on my new property without much issues. I highly recommend Ryan to anyone looking for a reliable, professional and genuinely supportive mortgage broker. Truly a 5-star experience!
Dexter Tan
Dexter Tan
2026-04-24
First time using a broker to purchase a property and Ryan has been exceptional from start to finish. He was clear, direct and took the time to guide us on structuring our loan to achieve the best possible rate and serviceability. Ryan and his team handled the entire process seamlessly from application through to settlement which made what could have been a stressful experience feel smooth and manageable. When challenges came up he was proactive and responsive to secure the best outcome for us. I’m truly grateful for his professionalism, expertise and support throughout the journey. Highly recommend Ryan to anyone looking for a great broker.
Johnson Chung
Johnson Chung
2026-03-07
We can’t recommend Ryan enough! He took the stress out of our first home loan by being incredibly patient, informative, and professional. If you want a broker who combines expert knowledge with a friendly, high-energy approach, Ryan is a five-star choice.
Yawen
Yawen
2026-03-05
Ryan and Serena had been very supportive from the beginning of our house hunting and provided lots of clarification. We truly appreciate and thankful that we found such a professional and friendly team! Would 100% recommend it to everyone!
Ron Rivera
Ron Rivera
2026-02-22
Excellent service and highly recommended for people who want a stress experience
Shanice Yeoh
Shanice Yeoh
2026-02-06
Ryan is an amazing mortgage broker. He helped us secure our first home loan and made the entire process feel easy and stress-free. As first home buyers, we found the process quite daunting, but Ryan was always reassuring and had the information we needed ready at every step. He took the time to answer all our questions and explained everything clearly and in detail. Five-star service! Highly recommend him to anyone looking for a mortgage broker who’s not only knowledgeable and professional but also with a friendly and enthusiastic attitude!
raina syed
raina syed
2026-01-29
Ryan was great to work with! He supported us throughout the entire process of purchasing our new home from day 0. He is very knowledgeable and had our best interest in mind. Communication was effortless and the whole process went very smoothly, thanks to Ryan, Serena and the Empower Team. 100% would recommend them!
Florence Yong
Florence Yong
2026-01-28
Professional and trustworthy. Excellent guidance and service throughout our investment journey!
Jian An Lim
Jian An Lim
2026-01-12
I have known Ryan for years through the Malaysian community but only recently engaged his services. In less than two months from when we started hunting for a property, he consistently provided complimentary property valuations that really helped us make confident financial decisions. After we had done our homework and organised all the paperwork (payslips, documents, etc.), our formal loan approval came through in under three business days once the contract was signed, thanks also to his well‑considered recommendation of bank. Ryan, together with Serena, has been fantastic throughout the entire process, and I will happily use his services again rather than dealing with the banks directly myself.
Ooi Ling Ling
Ooi Ling Ling
2026-01-07
We recently engaged Ryan to switch banks and had a great experience. The process was smooth and stress-free, with clear communication and helpful advice throughout. Ryan is professional, efficient, and made everything easy from start to finish. Very happy with his guidance and support.

Compliments and Concerns

We always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.
We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.