Empowering your decision with industry knowledge

Why Choose Us

Our Services


We were very lucky to have been introduced to Ryan Loh to assist with our mortgage enquiries. Not only is he friendly and easily contactable, he is extremely professional, honest and genuinely seeks out the best outcome for his clients, even potential ones! After much research, it was determined that we were better off with our main bank; Ryan clearly pointed out the benefits to us even if it meant not gaining us as a client. Thank you Ryan for guiding us through the first steps of our home buying journey in Australia!

Kit Wong

Ryan Loh is fantastic and assist us with all our mortgage application related enquiries. Very knowledgeable and offer excellent advise. Highly recommended to all ! Thanks again Ryan !


Ryan has been by far the best mortgage broker I had deal with. He is patient throughout the whole process and answered all our queries. All thanks to Ryan's proactive attitude, we managed to refinance our home mortgage with a competitive rate. We would highly recommend Ryan for his most excellent personalised services. Kudos!

Simon Lee

Thanks for all your efforts and assistance in helping us to refinance our home loan. Your professionalism, understanding client needs in depth and genuine personality providing us piece of mind. Ryan has answered all queries we have. We strongly recommend him as your one stop financial broker.

Nelson Lee

Our promise to you

  • As far as possible we'll make things easy for you
  • We'll have meetings you can look forward to
  • We will listen to you and always take the time to understand your needs
  • We will promptly address your questions, concerns or complaints and return your phone calls and requests
  • We will always be honest and trustworthy in our actions
  • We commit to maintain high standards of competence through ongoing training
  • Your affairs and files will be kept strictly confidential
  • We'll always be clear about the ongoing service we provide and any costs to you

Our Lenders


1What is the difference between a fixed rate loan and a variable rate loan?

Fixed Rate Home Loans have interest rates and loan repayments that remain the same for an agreed period of time, and then at the end of the term, revert to a variable rate.

A Variable Rate Home Loan has an interest rate that can move up and down according to fluctuations in the housing market. You should consider a fixed rate if you want the certainty of knowing what your repayments will be and therefore help you budget, not to try and “beat the market” as breaking out of a fixed rate (fixed term) loan contract could cost you thousands of dollars.

2Can I switch between a fixed rate and a variable rate?

Yes. You can change from a fixed rate to a variable rate, or vice versa, at any time. If you switch from a fixed rate loan, you may need to pay an Administration Fee and an Early Repayment Adjustment.

At the end of a fixed rate period your loan will automatically move to the variable rate (at no cost), or you can switch to another set period.

3Ques: As a retiree with a personal loan, can I refinance my loan?

Yes. You can refinance your existing loan if your balance has been reduced to at least 50% or less of the original loan amount.

Have a query about your current home loan…We’re here to help

Call us at 0431 381 596 or send us message for a free call back