Jai Raynor | Mortgage brokerFormer bank credit assessor and lending manager

Mortgage broking without the sales pitch.

My job isn't to tell you what you want to hear or sell you a loan. It's to show you exactly where you're at, what's in the way, and which levers could move it. Then the decision's yours.

Tell me what you're trying to do Book a strategy session

Takes two minutes. I read every message. The booking 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.

Choose your starting point

The right next step depends on what you're trying to change.

Start with whichever sounds closest. Each one explains the ground before it asks you for anything.

Buying your first home

Separate the deposit question from borrowing capacity, then see which schemes and lender rules actually apply to you.

Start the first-home walkthrough

Buying again or investing

Work out what a second property does to the whole picture, including the loan you've already got and the timing.

Map the next-property decision

Refinancing or using equity

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.

Tools that answer a real question

Use the numbers to find the next question, not a promise.

Each one makes a single part of the decision visible. They're starting points, not lender approvals or personal advice.

Featured tool

How much cash could the purchase need?

Cost to Complete puts the deposit, purchase costs and a cash buffer into one view, so you can see what needs checking next.

Open Cost to Complete

What it puts on one page

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

See what each tool can and can't tell you

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.”

Jayde and Ryan came to me overwhelmed. The job wasn't to make it sound easy or exciting. It was to explain each step, work through the lender options and handle the bank follow-up so they always knew what was happening.

Who you're dealing with 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

Learn before you decide