Meet Your Mortgage Advocates

What if someone negotiated with the banks for you… and actually won?

After years watching banks prioritise profits over people, I had enough. As your former banking insider, I've seen how the system really works—and now I use that knowledge to fight for you. I'll decode the fine print, compare 50+ lenders and secure the fair deal you deserve. Straight talk and real advocacy.

Honest answers over bank jargon

Access to deals you might not find alone

Your advocate from application to keys

$0 Broker Fees
5★ Google Reviews
50+ Lenders Compared
Watch Our Story See why we're different

Why We Exist

We believe every Australian deserves transparent, fair lending. But working inside the banking system, I witnessed too many clients being steered toward products that benefited the bank more than the borrower.

The moment I realised I couldn't be part of that system anymore was when I saw a family lose their home because they were given unsuitable loan terms. That's when I founded Raynor Lending Solutions—to champion your interests and navigate the system to your advantage, not the banks'.

Learn More About Our Mission

Every Australian Deserves a Fair Go. Your Home Loan, Simplified.

Banks speak jargon. I speak your language. Get clear answers, personal advice, and the confidence you're never paying more than you should.

Straightforward advice, no finance-speak

A strategy built around your goals

Your advocate, every step of the way

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First Home Buyer?

Get our FREE guide packed with insider tips

Download Free Guide
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Need Expert Guidance?

Claim a FREE 30-minute advocacy session—no sales pressure

Claim Free Advocacy Session

Get Keys Faster

Expert help to navigate grants & simplify your first purchase.

Lower Your Payments

Unlock hidden savings & better rates when you refinance.

Your Goals First

Unbiased advice focused solely on your best outcome.

Expert Advice, $0 Fee

Get professional guidance without paying broker fees.

Jai Raynor - Mortgage Broker

Meet Jai Raynor: Your Advocate in the Lending World

I'm Jai, founder of Raynor Lending Solutions. After years working within the banking system, I saw how loyalty was often 'rewarded' with higher rates, while the best deals went to new customers. Banks rely on the fact that most people don't shop around.

That didn't sit right with me. Australians deserve transparency and a fair go when it comes to their biggest financial commitment.

That's why I started Raynor Lending Solutions – to be the advocate in your corner. I demystify the mortgage process, compare options from over 50 lenders, and fight to ensure you're not paying a cent more than necessary. Consider me your friend in finance, dedicated to your financial wellbeing.

"I'm not here to sell you a loan. I'm here to find you the right loan. One that fits your goals, your lifestyle, and your future plans. Let me handle the banks, so you can focus on what matters most to you."

What I Do

Expert guidance for every step of your property and finance journey.

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Shield Your First Home Dream

Protect your first purchase with straight talk, grant guidance and no bank runarounds.

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Beat the Loyalty Tax

Stop overpaying on loyalty. I'll hunt down a better deal and put the savings back in your pocket.

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Grow Your Investment Portfolio

Leverage insider strategies to build wealth without hidden traps.

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Business Funding Without Bank Games

Tailored solutions for growth without the typical runaround.

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Complex Lending Made Simple

Navigate SMSFs, trusts and tricky structures with an ally who knows the system.

Not sure which fits you? Let's talk.

Your Edge Against the Banks

Fair guidance and smart strategies that put you ahead.

REAL STORIES

Real Stories, Real Success

From overwhelmed first-home buyers to confident property owners - discover the journeys that matter most.

★★★★★
5.0
Google Google Reviews
VIDEO TESTIMONIAL

Flynn's Experience

From confusion to confidence - see how personal service made all the difference

"He spoke to me in real layman's terms... it felt like I was dealing with a real person."

— Flynn
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Monthly Savings
Cash Back Bonus
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LIVE TESTIMONIAL

"He spoke to me in real layman's terms... it felt like I was dealing with a real person."

— Flynn

Flynn's Journey to Success

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💬 Clear communication in plain English
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🏦 Better rates than major banks
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⚡ Quick, hassle-free process
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🎆 $100 monthly savings achieved!
Jayde and Ryan with their new home keys
KEYS DELIVERED ✓

Jayde & Ryan

First Home Buyers

Their Story

Like many first home buyers, Jayde felt completely overwhelmed by the mortgage process. Every bank conversation left her more confused, more anxious. That's when she found Jai - someone who saw past the transaction to the person with a dream who needed genuine support.

Six weeks later, Jayde and Ryan were holding their keys. Jai had met them exactly where they were, turning an overwhelming journey into something manageable and even exciting. He worked tirelessly behind the scenes while advocating for them every step of the way.

What We Achieved Together:

Home with no deposit & no LMI*
0.25% better rate than banks were offering
Stamp duty discounted
6-week settlement timeline
Stress-free, guided process

*Achieved through parental guarantee

"Cannot recommend Jai enough! As a first home buyer, I was feeling pretty overwhelmed, but working with Jai made the entire process feel manageable and even exciting. He truly met me where I was at, and it genuinely felt like Jai was in our corner every step of the way."
— Jayde & Ryan • Verified Clients • Logan Area • $680K Property • 2 months ago

What Our Clients Are Saying

Real experiences from real people - straight from Google

Finding your success stories...

The Raynor Lending Advantage

Why work with a dedicated advocate for your home loan journey.

The Advocate Advantage:

  • I Handle All the Paperwork

    No forms, no confusion—just sign and relax. I'll manage every detail so you don't have to.

  • I Compare 50+ Lenders For You

    You get the best deal, not just what one bank offers.

  • I Negotiate On Your Behalf

    I fight for lower rates and better terms, so you save money and stress.

  • I Review Your Loan Every Year

    If there's a better deal, I'll find it—so you never overpay.

The Challenge of Going Direct:

  • Navigating complex paperwork

    Every form, every phone call, every follow-up—on your own.

  • Limited to one lender's products

    No comparison, no choice—just what the bank wants to sell.

  • Negotiating without an expert

    No one in your corner when it's time to talk rates or terms.

  • No ongoing loan reviews

    No one checks if you're still on the best deal.

Ready To Stop Giving Your Money Away?

No obligation. No pressure. Just a straight-talking conversation about how to navigate the system to your advantage.

Send a Message

Contact Information

Phone

0433 967 807

Email

[email protected]

Address

11 Todd Court
Caboolture, QLD 4510
Australia

Business Hours

Monday - Friday 9:00 AM - 5:30 PM
Saturday 10:00 AM - 2:00 PM
Sunday Closed

Evening appointments available by request

Get Started