Whether you’re buying your first home, upgrading the family home, refinancing an existing loan, or growing your investment portfolio, the right home loan can make an enormous difference to your financial future. At RAI Financial Services in Castle Hill, we give you access to over 30 lenders and the expert guidance to choose wisely.
A home loan is a secured loan — the property you’re purchasing or already own is used as security against the amount you borrow. Most home loans in Australia are structured over 20 to 30 years, with flexible options for fixed rates, variable rates, interest-only periods, and offset accounts.
Getting into the property market for the first time is one of life's biggest milestones. We help first home buyers in Castle Hill and across the Hills District understand their borrowing capacity, access government grants like the First Home Owner Grant (FHOG), and navigate stamp duty concessions available in NSW. We'll make sure you start on the right foot with a loan that suits your budget now and your plans for the future.
If you've had your home loan for two or more years, there's a good chance you're paying more than you need to. The lending market changes constantly, and lenders routinely offer better rates to new customers than to existing ones. We compare your current loan against the full market and calculate whether refinancing will genuinely save you money after all costs are factored in.
Property investment is one of Australia's most popular wealth-building strategies, but getting the structure right is critical. We help investors across Castle Hill and greater Sydney access the right loan type — whether principal and interest, interest-only, or a combination — and consider factors like negative gearing, rental yield, and long-term capital growth.
Building a new home or undertaking a major renovation requires a different type of finance. Construction loans are drawn down in stages as work progresses, meaning you only pay interest on the amount used at each phase. We manage this process carefully to ensure your finance keeps pace with your builder.
Not everyone has a 20% deposit saved. We have access to lenders who specialise in low deposit lending, including options with as little as 5% deposit. We'll explain how Lenders Mortgage Insurance (LMI) works, and in some cases help you structure your loan to avoid it.
Your borrowing capacity depends on your income, expenses, existing debts, credit history, and the deposit you have available. Use our online Borrowing Power calculator for a quick estimate, or call us for a more precise assessment tailored to your situation.
Fixed rates give you certainty — your repayments stay the same for the fixed period regardless of market movements. Variable rates move with the market and often come with more flexible features like extra repayments and offsets. Many borrowers split their loan, fixing part and leaving the rest variable. We’ll help you weigh up the pros and cons.
An offset account is a transaction account linked to your home loan. The balance in your offset reduces the amount of your loan on which interest is calculated. For most borrowers with savings, an offset account is highly beneficial.
Lenders Mortgage Insurance protects the lender — not you — if you default. It’s typically required when your deposit is less than 20%. Some professions may be eligible for LMI waivers through certain lenders. We’ll explore all your options.
From application to settlement typically takes four to six weeks, though this can vary. We manage the process closely to minimise delays.