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.
Most mortgage brokers come from a sales background. Gurjot Rai comes from somewhere different — over 20 years at the heart of Australia’s and the world’s largest financial institutions, working on the inside of the systems, products, and pricing models that determine the loans you’re offered.
That experience is rare in a mortgage broker. And for his clients in Castle Hill and across Sydney, it makes a meaningful difference.
Before founding RAI Financial Services, Gurjot held senior leadership roles across finance, analytics and strategy at some of the most respected institutions in the world including, CBA, HSBC, Macquarie Bank, KPMG and EY.
This breadth of experience — across treasury, risk, pricing, analytics, and financial strategy — gives Gurjot a perspective that goes far beyond rate comparison tools and lender panels. He understands how banks price their products, how they assess risk, and what makes an application compelling — because he spent two decades on the other side of the table.
Gurjot holds an exceptional combination of academic and professional qualifications spanning engineering, operations research, accounting, treasury, and mortgage broking:
• BEng Chemical Engineering — University of Birmingham
• MSc Operational Research — University of Birmingham
• CIMA — Chartered Institute of Management Accountants
• CPA — Certified Practising Accountant
• AMCT — Association of Corporate Treasurers
• DipMBM — Diploma in Mortgage Broking Management
The combination of quantitative rigour, financial accounting depth, treasury expertise, and formal mortgage broking training means Gurjot approaches every client’s situation analytically — modelling the true cost of different loan structures, stress-testing scenarios, and thinking long-term rather than simply settling on the lowest advertised rate.
After two decades advising banks on how to price, assess, and manage their loan portfolios, Gurjot saw the same gap repeatedly: the people sitting across the desk from bank lending managers rarely had anyone truly in their corner. Banks optimise for their own outcomes. Brokers who come from sales optimise for volume. Gurjot founded RAI Financial Services to offer something different — the depth of a senior bank executive, working entirely for the client.
Based in Castle Hill, he serves individuals, families, investors, and business owners across the Hills District and greater Sydney. His clients range from first home buyers navigating their first loan to experienced investors structuring complex SMSF and commercial finance arrangements.
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 0402 072 437, email gurjot@raifinancialservices.com.au, or visit us in Castle Hill. Our initial consultation is free and there’s no obligation.