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.

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

$0 broker fee On standard residential loans. See how I get paid

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

Public answers you can check Read Jai's Reddit answers

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.

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 Visit r/AskAnAussieBroker, the community I started Use the community wiki Read Google reviews

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.

Cash needed

How much cash could the purchase need?

Estimate deposit, duty, buying costs and a buffer in one place.

Open Cost to Complete

Borrowing power

Why can two borrowing estimates differ?

Test the inputs that can change a rough borrowing range.

Open Borrowing Power Lab

Timing

Buy first or sell first?

Compare the cash-flow and timing trade-offs across the main pathways.

Open Pathway Planner

Shared equity

Could Help to Buy change the numbers?

Explore a rough shared-equity scenario and the questions to check next.

Open Help to Buy Calculator

See what each tool can and can't tell you

What happens after you start

Three steps, and the explanation always comes first.

Get clear on the problem, work through the real options, then keep the bank moving.

Tell me what you're trying to do

Book the full session or send a quick message first. You don't need to know any of the lending language.

Work through the numbers and trade-offs

I explain what actually matters, compare the options that fit and show you what's getting in the way.

Choose the next step with context

If you proceed, I prepare the application with you, handle lender follow-up and keep you updated.

See the whole process, step by step

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.

I worked inside the banks. Now I help you understand how they make lending decisions.

I'm Jai Raynor. I handle your loan from the first conversation to settlement, explain the trade-offs in plain English and keep the bank process moving.

Before I became a broker, I worked as a bank credit assessor and lending manager. I saw how differently lenders could treat the same set of numbers, and how hard that was to see from the customer's side.

More about how I work

Learn before you decide