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
Shanice Yeoh2026-02-06Ryan 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!
Florence Yong2026-01-28Professional and trustworthy. Excellent guidance and service throughout our investment journey!
Jian An Lim2026-01-12I 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 Ling2026-01-07We 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.
Lee Ting Yen2026-01-07To first home owner or not, you wont be disappointed with the Empower Financial team especially Ryan who has been there for me through the ups and down of trying to get my first home.. from calculating every dime saved to sorting out my home loan with the bank- Ryan and Serena look after me really well not only the paperworks but also encouragement and advices. You wont feel like an idiot with Ryan as he is very approachable and friendly- will always explain or breakdown all the financial jargons into as simple as ABC. Thank you Ryan and Serena :)
Vincent Yim2025-12-29My partner and I have been on a year-long journey searching for our first home, and from the beginning, Ryan and Serena have been incredibly helpful. Ryan dedicated a lot of time to getting to know us, guiding us through our financial situation and helping us understand what we could realistically afford for our first home. It wasn’t always straightforward, with many steps and concepts to work through, but Ryan always took the time to explain things clearly, drawing on his professional knowledge as a broker and ensuring we knew what to do at each stage. Similarly, Serena was meticulous and always sent us timely reminders for any documentation we needed, which made dealing with the bank a breeze. We’re so grateful for Ryan and Serena’s excellent service and would definitely recommend them to anyone hoping to buy their first home.
Sukarno2025-12-28They are very professional and quick to respond. Everything was done perfectly. If you want speed and quality, Ryan and Serena are the person to go to. Thank you so much to the team!
William Yap2025-12-07We got Empower to assist us with the purchase of our first home. Ryan and Serena have been great throughout the process and the helped us getting the loan across the line within a few weeks. Would definitely recommend Ryan and Serena to anyone who is looking for a loan.
Eu Jin Tan2025-12-03I am delighted with Ryan & Serena service and support through my investment journey. Ryan is friendly, warm and has been detailed with his proposal and thorough through out the purchase process. Serena is always on the ball keeping things moving in the right direction. I highly recommend Empower Financial to anyone looking for a capable and supportive mortgage broker services.
Zhiyang Chuah2025-11-27Ryan has been fantastic to work with. As a first-time home buyer, I really appreciated how smooth he made the entire process. He is extremely responsive and took the time to understand my situation before proposing a loan that I felt genuinely comfortable with. Throughout the process, he made me feel secure and supported. He listens, communicates clearly, and is both approachable and professional. I would highly recommend him to anyone looking for a reliable mortgage broker!
Compliments and Concerns
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.