RAI Financial Services was founded on a simple belief: that getting a home loan, business finance, or insurance cover should be straightforward, transparent, and genuinely in the client’s best interests.
Based in Castle Hill in Sydney’s Hills District, we serve clients across Greater Sydney and beyond — from first home buyers purchasing their first property to experienced investors and business owners funding their next stage of growth.
Most mortgage brokers arrange a loan and move on. We review your loan every year — checking that your rate is still competitive, your structure still suits your circumstances, and that you’re not paying for features you no longer need. As your life changes, your loan should too.
RAI Financial Services is built around a single person: Gurjot Singh Rai — CPA, corporate treasurer, Big 4 adviser, and mortgage broker with over 20 years of senior experience at CBA, KPMG, IAG, Macquarie Bank, HSBC, and Ernst & Young.
Gurjot’s background is rare in the broking industry. Having spent two decades on the inside of the systems that determine how loans are priced and assessed, he brings a depth of financial expertise that most brokers simply don’t have. That expertise translates directly into better outcomes for clients — stronger applications, smarter structuring, and a long-term strategic view rather than a transactional one.
Read Gurjot’s full profile — including his career history, qualifications, and the story behind RAI Financial Services — on the About Gurjot page.
Gurjot Singh Rai is a licensed credit representative (CR 531396) authorised under Australian Credit Licence 391237, held by BLSSA Pty Ltd ACN 117 651 760. We operate in full compliance with the National Consumer Credit Protection Act and the obligations of the best interests duty for mortgage brokers.
Call us on 0478 501 086, email gurjot@raifinancialservices.com.au, or visit us in Castle Hill. Our initial consultation is free and there’s no obligation.