Welcome to Rainey Financial – Your Trusted Finance Expert

What brings you here today?

5.0

from 70 Reviews

Access hundreds of loans from trusted lenders

Loan Options to suit everyone

Ready to chat to our team?

We can help with a range of lending scenarios

Rated 5 Stars from our clients

Michael was recommended to us by a family member, and our experience of working with him has been great too. He is very honest, knowledgeable and responsive. He was so helpful in explaining things and definitely made the process of securing our first mortgage and home easy. We have and continue to recommend Michael/Rainey Financial to others.

Kelsey Tindall

Michael helped us into our first home, maintaining a high level of contact and transparency through the process. Helping us successfully navigate a few self-induced hiccups along the way, we were grateful that we used not only a broker in general, but specifically Michael.

Mitch Lacey

Michael and his team were an absolute pleasure to work with. Pro-active and quick to respond, Rainey Financial helped to get us a great rate and removed a lot of the stress from the process. I highly recommend them to anyone looking to secure a home loan. Victor W

Victor Wroblewski

Have gone through Rainey Financial to refinance multiple times and have never had any issues with the team. Always have the time to go through questions we have and got us some really competitive rates. Will be using Rainey Financial again in the future and would highly reccommend.

Grant Deacon

Absolutely fantastic and thorough service! I wouldn't hesitate to recommend Michael to anyone.

Ben Cropley

THANKYOU!!! This process started off very daunting to me being a first home buyer. However, after talking to Daniel I instantly felt at ease. Every step of the way Daniel and Megan went above and beyond to explain each step of the process and give me estimated timeframes of what the next steps would be. If I was ever in doubt, they were both only a phone call away. I am truly grateful; I couldn’t recommend the team highly enough at Rainey Financial.

Lauren Murphy

About Rainey Financial

Rainey Financial is a trusted and innovative mortgage broking firm dedicated to guiding clients through Australia’s competitive and ever-changing mortgage landscape. Our company is built on a foundation of expertise in property valuations and lending solutions, ensuring that every client receives the most suitable and competitive loan for their individual needs.

Rainey Financial is more than just a mortgage broker; we are a partner in your financial journey. We are passionate about empowering our clients to achieve their property aspirations, backed by our expertise and a commitment to excellence. Trust us to provide clear, honest, and tailored lending solutions that put your needs first, paving the way for a secure and prosperous future.

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Frequently Asked Questions

How much money can I borrow?

We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances

When should you see us and what can you expect?

You can see us at any stage in your financial journey. You might still be saving for your first home, wishing to use the equity in your current one, or wondering if you’re still getting the right deal with your existing lender. You can make an obligation-free appointment with us at a time and place that suits you.

We will ask about your financial circumstances and objectives to find out what’s important to you in a home loan. For example, flexibility might be important because you plan to start a family or you may want ready access to equity for a rental property or renovations. Whatever your plans, we will research the market and recommend the right home loan to suit your needs. We always look for the right loan for you, not the lender.

What is the First Home Owner Grant and can I get one?

This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 months of settlement. Contact us directly to find out more about eligibility requirements in your state and how much grant money you could receive.

Can I get a mortgage where I pay less than I’m paying now?

Now is always a great time to shop around or check that you have the right loan for your needs. We’re a great starting point. It will depend what interest rate you’re currently paying, what type of home loan you have (e.g. fixed, variable, interest only, line of credit) and what features you want in your loan. We can quickly explain your options.

How much do I need for a deposit?

Go to our Repayment Calculator for an estimate. Because there so many different loan products, some with lower introductory rates, talk to us today about the deals currently available, we’ll work with you to find a loan set-up that’s right for you.

What fees/costs are involved in switching mortgages?

Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early. But these may be offset by repayment savings when you switch home loans. We’ll walk you through any fees that could apply in your circumstances.

How often do I make home loan repayments — weekly, fortnightly or monthly?

Most lenders offer flexible repayment options to suit your pay cycle. Aim for weekly or fortnightly repayments, instead of monthly, as you will make more payments in a year, which will shave dollars and time off your loan.

Can I consolidate credit card or other debts into a home loan?

This is one of the reasons some people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt – e.g. credit cards, overdraft facilities, personal loans etc. Providing you have sufficient equity in your property, you may be able to consolidate all your debt on a home loan. If you take this option though it is important to make sure you maintain your repayments of the debt that you consolidate at their current level, or you could easily end up paying more over a longer period of time. Speak with us today to discuss your personal needs.

Why use us as a mortgage broker when looking for finance?

A mortgage broker is someone who shops around for the home loan that’s right for you. Whether you’re in the market for your first home or building a portfolio of investment properties, we have access to hundreds of loans from a host of Australia’s leading lenders.

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Ready to see how we can help?

Book a free appointment with our friendly team and we'll help you with next steps