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

Read reviews on Google ↗

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

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

Home loan articles

Loan strategyIs your offset account worth the fee?Read the article Getting loan readyThe two questions banks ask before saying yesRead the article Loan strategyOffset vs fortnightly repayments: what changes?Read the article

Browse all 21 articles Or take the First Home Buyer eGuide with you (PDF)

Get in touch

Home Loan Strategy Session

Book a free hour-long video appointment. We'll work through your numbers, the relevant lender requirements and what to do next.

Book a free strategy session

Phone: 0433 967 807

Email: jai@raynorlendingsolutions.com.au

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