Jai Raynor | Mortgage brokerFormer bank credit assessor and lending manager

Mortgage broking without the sales pitch.

I'll help you work out where you stand with your home loan, what might need attention and which options are worth considering.

Find help with your home loan Book a strategy session

The strategy session is a free video appointment with no obligation.

Jai Raynor, Principal Broker at Raynor Lending Solutions

Jai Raynor, Mortgage Broker Former bank credit assessor and lending manager. Your broker from first conversation to settlement.

What are you planning?

Buying your first home

Understand the deposit, buying costs and borrowing questions before working through your own figures.

Start the first-home walkthrough

Buying your next home

Compare selling first, buying first and lining up settlements, including the money needed between homes.

Plan your move

Investment property loans

Understand the borrowing for a rental property, from funding the purchase to managing the repayments.

Explore investment loans

Refinancing your home loan

Compare your current loan against the alternatives, including the costs of moving and the option of staying put.

See how the review works

None of those quite fit? That's normal. Send me a message and I'll point you at the right starting point. Or see what happens after you start

Tell me what you're trying to do

Look around first

See how I think before you decide whether to book.

I answer strangers' lending questions every week on r/AskAnAussieBroker, the community I started. Nobody's paying me to do it and nothing's edited. Read a few, then decide whether my approach makes sense to you.

Read my public answers on Reddit Read Google reviews

One broker, start to finish I handle your file and lender follow-up.

$0 broker fee On standard residential loans.

50+ lenders on my panel I narrow the field to the ones that fit your situation.

A short introduction to how I work. Two minutes.

Home loan calculators

How much cash could the purchase need?

Add up your deposit, purchase costs and a cash buffer with the Cost to Complete calculator.

Open Cost to Complete

Deposit: Cash going toward the purchase
Purchase costs: Duty, fees and other buying costs
Buffer: Cash kept aside for the unexpected

Your cash targetDeposit + purchase costs + buffer

Borrowing power Why can two estimates differ? Open the lab Timing Buy first or sell first? Compare the pathways Shared equity Could Help to Buy change the numbers? Explore a scenario Repayments What could an offset or extra repayments change? Open the Repayment Planner

Calculator results are estimates, not lender approvals or personal advice.

View all calculators

Jai with first-home buyers outside their new home

Jayde and Ryan, first-home buyers

“As a first home buyer, I was feeling pretty overwhelmed, but working with Jai made the entire process feel manageable and even exciting. It genuinely felt like Jai was in our corner every step of the way.”

I helped Jayde and Ryan work through their lender options, explained each step and handled the bank follow-up.

I worked as a bank credit assessor and lending manager before becoming a broker. I now handle your loan from the first conversation to settlement. More about how I work