Mortgage & finance broker · Australia-wide
Home loans, refinancing, car and business finance, explained in plain English by someone who actually invests.
Quick repayment check
Slide the loan amount, rate and term to see what you'd repay each month and fortnight. Want the full picture? Our free calculators cover borrowing power, refinancing, extra repayments and more.
Sound familiar?
Most people come to us with one of these on their mind. If any of them hit home, a 15-minute chat usually clears it up.
Get help with this
Meet Raman
I'm Raman, a finance broker, property investor and the person behind @ramaninvests. I started sharing money tips online because finance is full of jargon that keeps people from making confident decisions.
"My job is simple: make your money make sense, then find the loan that fits your life."
How I can help
From your first set of keys to your fifth property, your next car or your business's next stage.
Get the keys sooner, with a plan that fits your deposit.
Learn more
Upgrading, downsizing or building. The right loan for your next move.
Learn more
Grow a property portfolio with finance structured for the long game.
Learn more
A better rate, access to equity or a fixed rate that's ending.
Learn more
New or used, dealer or private. Finance sorted before you shop.
Learn more
Vehicles, machinery and equipment that keep your business moving.
Learn more
Working capital, growth funding and commercial property.
Learn more
Simplify debts and restructure loans to free up cash flow.
Learn more
Why RamanInvests
Getting a loan approved is the easy part. Setting it up so it still works in five years, when you want to upgrade, invest or slow down, is where a good broker earns their keep.
Meet RamanBrokers are legally required to act in your best interests. We take that seriously, and we'll always explain why we recommend a loan.
Home, car, investments and business. One person who sees how your loans fit together.
Know what you can borrow and what it will cost before you fall in love with a property.
Regular rate reviews so your loan doesn't quietly become uncompetitive.
Free tools
Six calculators built for Australian borrowers. No sign-up, no email required.
Weekly, fortnightly or monthly, P&I or interest-only.
02An estimate of what lenders may let you borrow.
03Your saving and break-even point after switching costs.
04Years and interest saved by paying a little more.
05Repayments with or without a balloon.
06When your deposit will be ready, and your LVR.
Money planners
The spreadsheets I use and recommend, built for Excel and Google Sheets. Instant download, step-by-step guides included.
See exactly where your money goes each month and build a budget you'll actually stick to.
Snowball or avalanche: list your debts and get a payoff order, timeline and interest saved.
Compare properties side by side: upfront costs, cash flow, yield and long-term growth.
How it works
15-20 minutes to understand your goals, timing and situation.
Rate, fees, features and flexibility, with the trade-offs explained.
Application, valuation and lender back-and-forth managed for you.
Ongoing reviews as rates and life change.
As seen on socials
Property, home loans and wealth-building, explained in under a minute on TikTok, Instagram and YouTube.
Free, no obligation, and no documents needed for the first chat.