About Jai Raynor

I help you understand how banks assess your home loan.

I'm Jai Raynor. I handle your loan from the first conversation to settlement, explain your options and follow up with the bank.

Book a free strategy session Read my public answers

Bank lending experience

Former bank credit assessor and lending manager

One broker

I handle your file from the first conversation through settlement

My public answers

I founded r/AskAnAussieBroker and answer home loan questions there

Why I started Raynor Lending

In this video, I explain why I started Raynor Lending and how I help people understand their loan options.

Hear why I wanted the business to feel practical, clear and useful.

The person handling your loan

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.

Principal Broker

Jai Raynor

Principal Broker

I compare lenders' policies, work out what might hold up an application and explain the options before you apply.

I handle the back-and-forth with the lender and explain what they're checking, why it matters and which decisions you need to make.

I'm a bit of a nerd about this stuff. I genuinely like the messy questions, the tiny policy details and the moment someone says, "Okay, that finally makes sense."

Understand first. Apply second.

Compare the whole deal.

Keep you clear on the next step.

Why I do this

Most people are expected to make big lending decisions using language they do not use every day.

Borrowing capacity, offsets, lender policy, pre-approval, LMI and cash to complete can all matter. But the hard part is usually working out which one is actually the problem.

That is why I slow the process down enough to explain it properly. You should understand what the bank is checking, where the weak spots are and what happens next.

What working with me means

I explain what is happening

You should know what the lender is asking for, why it matters and what the trade-offs are.

I compare suitable options

Not every lender looks at the same deal the same way. I work through the realistic options available through my lender panel.

I handle the bank process

I prepare the application with you, manage the lender follow-up and keep you updated when more is needed.

I keep you updated

I'll tell you where the application stands, what's needed and what happens next.