Your local mortgage broker providing dynamic investment, refinancing and home buying experiences.
Access over 60 lenders in one place
Finance That Fits Your Life
We’re all about making your home loan journey as easy and stress-free as possible. Whether you’re buying your first home, refinancing, or investing in property, our expert team is here to guide you every step of the way.
With a fresh and personalised approach, we empower our clients to make informed financial decisions that support their long-term goals. We partner with you to provide tailored home loan solutions, helping you achieve financial freedom and a more abundant lifestyle.
Why Rayne Finance?
Because we’re not your average mortgage broker. We take the time to listen, understand what matters to you, and work with you to find the best home loan options. We’re local, friendly, and committed to making sure you feel comfortable and confident in your decisions. Here’s how we can help:
- Smarter Home Loans: We’ll work with you to find the perfect home loan, whether it’s your first, second, or third.
- Refinancing Made Easy: Looking to save some cash or access equity in your home? We’ll guide you through refinancing and make sure you’re getting the best deal.
- Expert Advice, No Jargon: You’ll get clear, no-nonsense advice that helps you make smart choices, whether you’re a first-time buyer or a seasoned investor.
- Personalised Support: This is about you. Our team will support you through the whole process, so you never feel lost or overwhelmed.
Proudly Helping Families Across Ballarat, Bendigo, Geelong, Melbourne and beyond.
We’re based right here in Victoria, and we love helping families all over Australia achieve their home ownership dreams. Wherever you call home, we’re ready to support you with expert advice and personalised care.
FIRST HOME BUYERS
Buying your first home? We’ll guide you from budgeting and pre-approval to settlement and beyond, making the process transparent and stress-free.
SELF EMPLOYED LOANS
Running a business is hard work, but getting a loan doesn’t have to be. We understand the ins and outs of self-employment and will help you secure the right financing.
CONSTRUCTION LOANS
Building a home? We’ll simplify construction financing, ensuring you have funds at every stage—so you can focus on bringing your dream home to life.
DEBT CONSOLIDATION
If you have multiple loans, debt consolidation can be a great way to reduce your monthly interest payment and create a more secure financial future.
INVESTMENT FINANCE
Ready to grow your property portfolio? We’ll help you secure the right financing to match your investment goals and build long-term wealth.
REBECCA EBBELS
Your local mortgage broker in Ballarat, Victoria
As a home loan specialist I provide expert guidance to a diverse range of clients, including first and next home buyers, investors and small business owners. I work to understand their individual goals and unique situation and am committed to supporting them on their investment journeys and beyond.
I partner with and support my clients through the process of buying, building and refinancing their homes and investment properties.
How We Help You Achieve Your Home Loan Goals
WHAT MAKES
US DIFFERENT?
| RAYNE FINANCE |
Banks & Lenders | |
|---|---|---|
| Your own personal, non-bank affiliated loan expert | ✔ | ✖ |
|
Free for you 1 |
✔ | ✔ |
| We work in your best interests (we’re not owned by a bank) | ✔ | ✖ |
| Fast turnaround times 2 | ✔ | ✖ |
| Access to over 60+ banks and lenders in one place 3 | ✔ | ✖ |
| Ongoing support and guidance once your loan has settled 4 | ✔ | ✖ |
Frequently
Asked
Questions
What does a mortgage broker do?
A mortgage broker (like me) acts as the middleman between you and the lenders/banks. We work for you but get paid by the lender or bank of your choosing. That means they help you choose the right loan to suit your needs at no cost to you.
What does a mortgage broker do?
A mortgage broker (like me) acts as the middleman between you and the lenders/banks. We work for you but get paid by the lender or bank of your choosing. That means they help you choose the right loan to suit your needs at no cost to you.
Can you help me understand my borrowing capacity?
Of course! Borrowing capacity refers to how much you can borrow from a lender. To get an estimate of your borrowing capacity go to our calculator: How much can I borrow? If you want to get an in depth review of your borrowing capacity, get in touch today.
What grants are available to me?
There are many grants that are available for those wanting a home loan and the options differ from state to state. To find out what grants you are eligible for, get in touch.
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