Home & Investment

Whether you are buying your first home, looking to upgrade, want to understand how much you can borrow or are not even sure where to start, our RION team can help you navigate the web of options and negotiate with the banks on your behalf. 

Not everyone’s situation is the same and what many people don’t realise is that banks don’t THINK the same either. There is a multitude of different lending options, bank policies, packages and credit tolerances that each lender applies in their assessment process. Our duty is to understand your circumstances and then apply them to the lenders that match you. 

If you’d like to learn more about how you can own your own home,  contact our office to book an appointment either in person or on the phone for a consultation. 

Thinking of owning an investment property, or perhaps you’re looking to buy another one? The Australian Taxation Office estimates that 1 in 7 taxpayers own at least one investment property, and given the benefits, one can understand why including: 

• Generating wealth through capital growth 
• Added passive income 
• Tax deductions and other benefits 

Like owning your own home, there is a raft of lending options, policies and packages available. If you are considering purchasing an investment property, RION can help you to navigate the options, understand your borrowing capacity and find the most suitable offer tailored to your conditions. We can work with your planner or accountant to ensure your needs are satisfied. 

Book a consultation to start your wealth generation journey. 

Ever wondered if your bank is providing you with the right solution or interest rate. As brokers, we’re governed under Best Interest Duty regulations to put your interest first and provide you with options tailored to your situation. Whilst it may be regulation, it’s also the right thing to do! Your bank, on the other hand, is not regulated by this same duty. 

Banks and loan providers tend to move and change policies over time, meaning that whilst they may have been the right solution then, it’s quite possibly not the case now. 

During our consultations, we at RION seek to better understand your circumstances and align them with the lender that matches your requirements. If it turns out that your current lender is providing the right solution, then our recommendation may well be to stay… we’ll still try to negotiate a better rate for you! 

If you’d like to understand more about how we are remunerated, then click on the Information tab in the menu, or better yet contact us for a consultation.

 Are you thinking about:

• Using the equity you have to buy your next property or investment 
• Conducting renovations or upgrading your current home 
• Investing in shares, your business or other alternatives 
• Maybe consolidating some debt and reducing your loan repayments to improve cash flow 

Then perhaps you may be eligible to use the existing equity in your property, releasing cash to achieve this. There are two ways in which your home generally generates equity:

1. Natural growth in value 
2. Principal payment reduction of your existing home loan

It is worth considering, however, that banks have different philosophies on how much equity they are prepared to release. So, why not consult with a RION specialist to explore your options and book a no obligation consultation to learn more. 

Owning your own home is one thing. Building your dream home is an entirely different experience altogether! 

One of the biggest advantages of building a home is that you have input in every stage of the building process and design. 

Construction loans for new buildings or major renovations to existing homes are a different process again to your standard home loan. We want to help you realise your dream, help you explore the options, understand the pitfalls, and find the right available package to suit your situation. 

If you’d like to learn more or understand your borrowing power, then contact RION for a consultation.