
Home LoansSolutions
Expert guidance to secure the right home loan, from pre-approval to settlement.
Why Choose Us?
Expert Guidance
12+ years experience
50+ Lenders
Best rates guaranteed
Fast Processing
Fast pre-approval
Home Loans Solutions
What We Offer
Comprehensive home loans solutions tailored to your needs with expert guidance and competitive rates
Variable and fixed rate options
Professional guidance and support throughout your loan journey.
Offset and redraw facilities
Professional guidance and support throughout your loan journey.
Interest-only periods available
Professional guidance and support throughout your loan journey.
Split loan structures
Professional guidance and support throughout your loan journey.
Package deals with discounts
Professional guidance and support throughout your loan journey.
Refinancing options
Professional guidance and support throughout your loan journey.
Why Choose Our Home Loan Services?
Experience the difference with our expert guidance and comprehensive support designed to help you achieve your financial goals
Streamlined Pre-Approval Service
Get pre-approved quickly so you can shop with confidence and make competitive offers.
Access to 50+ Lenders
Compare rates and features from major banks, regional banks, and specialist lenders.
Expert Guidance
Our experienced brokers guide you through every step of the home buying process.
No Broker Fees
Our service is completely free to you - we're paid by the lender, not you.
Ready to Experience These Benefits?
Join thousands of satisfied customers who have improved their financial situation with our expert guidance
Book Free ConsultationOur Home Loan Process
Simple, transparent steps to get your home loans approved with expert guidance every step of the way
Initial Consultation
We discuss your needs, financial situation, and home buying goals.
Pre-Approval
Get pre-approved quickly so you can shop with confidence.
Property Search
Find your dream home with confidence knowing your budget.
Loan Application
We handle all paperwork and submit your application to the best lender.
Settlement
Complete the purchase and get the keys to your new home.
Frequently Asked Questions
Common questions about home loans answered by our expert team
How much can I borrow for a home loan?
The amount you can borrow depends on your income, expenses, credit history, and the property value. We can help you calculate your borrowing capacity using our advanced tools.
What's the difference between pre-approval and pre-qualification?
Pre-qualification is a basic estimate, while pre-approval is a formal assessment that gives you a specific loan amount and shows sellers you're a serious buyer.
How long does the home loan process take?
Pre-approval typically takes 1-2 business days, while the full loan approval process usually takes 1-10 working days depending on the lender and complexity of your application.
What documents do I need for a home loan application?
You'll need payslips, bank statements, tax returns, and identification documents. We'll provide you with a complete checklist tailored to your situation.
Still Have Questions?
Our expert team is here to help answer any questions you may have about home loans

Sumit Joshi
Senior Loan Advisor & Director
“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
- Vandhana Naidu
What Our Customers Say
Based on 331+ verified Google Reviews. Here's what our satisfied customers have to say about their experience with RyRo Loan Centre.
Vandhana Naidu
"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond a..."
Emi Lia
"We had a great experience with Sumit and his team. We can't express enough how grateful we are to them, as they did a really splendid job! Helped us a..."
Rajnil Sharma
"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free. I apprec..."
SS
"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment l..."
Garima Sharma
"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went above and be..."
Info Nue Design Homes
"Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of hi..."
Gopichand Paladugu
"It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helped me in ev..."
Naga Seramsetty
"As recent migrants from New Zealand, my wife and I were navigating the complex Australian property market for the first time, and we couldn't have ask..."
Andrew Napier
"I had an amazing experience working with Sumit to secure a loan for my first home. From start to finish, he made the process smooth, stress-free, and ..."
Kamal Raqba
"Sumit Joshi is our trusted mortgage broker, we have used his services for the last 8 years and he has always guided us in the right direction and prov..."
Adam Moffat
"As first-time homebuyers, we were initially unsure about which mortgage broker to choose, and we had a few lined up to discuss our needs. Sumit at RyR..."
Yash Dharva
"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process smooth, s..."
Praneet Singh
"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal with if I..."
Sudhir Sehgal
"First of all heartiest thanks Sumit for making our journey to get loan approval so smooth and in really very comfort zone, since I am in Australia I h..."
Chloe Martirena
"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always made time ..."
Suvidha Horn
"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for any home ..."
Alex
"Sumit and team gave as an amazing experience, even after we decided to back out of our first purchase , I reached out to Sumit a year or two later, he..."
Jay Patel
"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highly knowledg..."
Manjit Kaur
"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of the way, ..."
Tyler Howard
"I can't recommend Sumit enough! As a first-time home buyer, I was nervous about the whole process, but he made everything so easy and straightforward...."


“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
Vandhana Naidu
Ready to Secure Your Financial Future?
Join 2000+ Australian families who've achieved their property dreams with RyRo Loan Centre. Get expert guidance and access to the best loan products.
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