Mortgage brokers in Norwest, helping the Hills District and Sydney
About us · Norwest office
We help first home buyers, upgraders, investors and business owners find the lender that will say yes, then see the loan through to settlement. Free for home loans.
5.0 from 360+ Google reviews
Updated November 2026
5.0From 360+ Google reviews Read themSome of the banks and lenders we compare for you
Who we are
RyRo Loan Centre is a trusted, award-winning mortgage brokerage helping Australians secure smarter finance across home loans, refinancing, investment lending and more. We combine deep lender knowledge with a hands-on, responsive approach so you can move forward with confidence.
Whether you are buying your first home, upgrading, investing or refinancing, we focus on real outcomes: sharper rates, smarter structures and timely approvals. We compare options, negotiate on your behalf and manage the process end to end, so you stay in control without the legwork.
Our philosophy is simple
We believe smart lending decisions change lives. Our job is to remove complexity and put you in control, with clarity, choice and confidence.
From first chat to settlement and beyond, we handle the heavy lifting across 50+ lenders so you can move forward with certainty.
Strategy before product, with lending tailored to your goals. Clear, upfront communication with no jargon and no surprises. Relentless follow-through, because we push for faster approvals.
Home and business lending we arrange
Free strategy call. No obligation and no credit check.
Our team
Personal advice, fast responses and end-to-end support. You get real humans who care about the outcome, and you always know who is working on your loan.
5.0 from 360+ Google reviews
Director & principal broker
Sumit runs RyRo Loan Centre from Norwest and stays with you from the first call to settlement. He works with first home buyers, upgraders, self-employed clients and investors, including people the banks found too hard.
Read Sumit's profile
Loan processor
Kathryn looks after settlements and client updates. She keeps your application moving to settlement, so someone is always chasing the lender and telling you where your loan is at.
RyRo Asset Finance
Rohan arranges car and equipment finance through RyRo Asset Finance: new and used cars, utes, work vehicles and machinery, for families and business owners.
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
Broker of the Year 2020Awarded to Sumit Joshi
Meet the director
Justice of the Peace · Credit Rep 446824
Most brokers chase the lowest rate. We chase the lender that will actually say yes to your situation.
Sumit Joshi is the Director of RyRo Loan Centre with 13+ years experience guiding Australian first home buyers, investors and business owners through home loans, investment lending, SMSF loans, trust structures and specialist finance.
Broker of the Year 2020Awarded to Sumit Joshi
Sumit writes the guides on the RyRo blog. Book a free strategy call with Sumit, or send your details and he will call you back.
Free loan review. No obligation and no credit check.
Trusted by leading banks
Industry recognition that translates into sharper rates, smoother approvals and better outcomes for our clients.
Broker of the Year 2020Awarded to Sumit Joshi
AFG Award Winner, 2013 to 2019Seven consecutive years.
We generally respond within an hour.
5.0 from 360+ Google reviewsHow we work
Award-winning mortgage specialists with access to 50+ lenders. We negotiate sharper rates, simplify the paperwork and move fast, so you can move into your home sooner. Think of us like a fitness coach for your loan: we know the lenders, we plan the route and we keep you on track until you get there.
Recognised performance and premium status with major banks. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026.
For home loans we are paid by the lender, never by you. We tell you how we are paid before you go ahead, and it does not change your rate.
We negotiate hard and benchmark across lenders before you sign. Rate matters, but so do structure, features and whether the lender will say yes.
Call, text or meet. No call centres. The same broker stays with you end to end, from the first chat to settlement and after.
Clear recommendations tailored to first home, upgrade and investor needs, including self-employed and complex situations.
Kathryn chases the lender and tells you where your loan is at. We generally respond within an hour.
See which lenders would say yes to you
Tell us what you are planning. We compare lenders and call you back with a plan. Free, no obligation and no credit check. Prefer to crunch the numbers first? Try our free calculators.
5.0 from 360+ Google reviewsWe generally respond within an hour.
Client reviews
Rated 5.0 from 360+ Google reviews. Real reviews, word for word.
5.0From 360+ reviews on Google Read themchris sukumar
5 months ago on Google
Sumit at Ryroloan Centre made our first home possible Five stars for Sumit Joshi at Ryroloan Centre. As first home buyers we had no idea where to start. Sumit was easy to contact from day one. He picked up calls, replied to texts fast, and explained everything in simple terms. He secured us a really good rate that beat what our bank offered. The whole pre-approval and settlement process was smooth because he stayed on top of every document and deadline. I want to thank Dean and whole team thank you all. Couldn’t recommend Sumit more highly if you’re a first home buyer.
Jagdeep Gill
a year ago on Google
We had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment loan process. It was very challenging process to get loan through SMSF but team made the whole process easy. RyRo Loan Centre is truly one of the best in the business and I cannot recommend them enough. Thanks Team
JignaSamir shroff
a year ago on Google
Had a great experience working with Sumit, Dean and the whole Ryro team. The process was seamlessley straightforward and we had no issues throughout the whole loan processing. Turaround time was less than 5 weeks, end to end. High recommend RYRO finance for SMSF and other home loans.
Belinda White
2 years ago on Google
Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!
Varun Kapoor
3 years ago on Google
It was a great experience working with Sumit to finance my new car! He did a fabulous job and got me a really good deal on finance. I got the best service and experience I could expect from this company for arranging my car finance. Highly recommend Sumit and his team for arranging any type of finance. I am definitely going to call them to arrange all my future finance needs. Thanks heaps :)
gopichand paladugu
a year ago on Google
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 every step of the process and patiently explained any questions we had. I strongly recommend him, if you are looking for mortgage broker services.
Jowin Dubash
a month ago on Google
Sumit and his team helped with our loan approval. They explained each step thoroughly and kept us updated throughout the process. Would highly recommend.
O D
2 weeks ago on Google
My wife and I are very happy and very greatful for all the help Sumit from RYRO LOAN CENTRE has helped us once again. We are so blessed to have had the opportunity to meet such a kind, hard working and wonderful person who will go above and beyond to get our home loan refinancing approved. So thank you very much summit. We will definitely be going back to RYRO team when we buy our next property. We will also recommend RYRO Loan Centre, especially Sumit to our family & friends! They are simply the BEST!! 😊
Jahid Aslami
a month ago on Google
Huge thanks to Sumit at Ryro! He made securing my mortgage completely stress-free with his expert advice, quick turnarounds, and clear guidance throughout. Exceptional service from a team that truly cares about their clients. Highly recommended!
Karl Gilbert
5 years ago on Google
When going thru the stress of purchasing a new home, it helps when you have friends that have gone thru the process. This is how I met Sumit, and the crew at RyRo Loan Centre. They made the whole process as painless and stress free as I could believe possible. Added to that, the fact that we needed the loan quickly approved before the Christmas break, Sumit and his team pulled out all the stops, to make sure we hit the time for settlement at the most difficult time of year. I wish to thank Sumit and his team for all their assistance, and the continual updates on rate information and advice.
Info Nue Design Homes
a year ago on Google
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 highly qualified well experienced professionals who can be relied upon for your personal and commercial loan needs. We strongly recommend them for your financial requirements and wish them all the very best.
Karra Le
5 months ago on Google
For someone like us who's completely new to the home loan process and first home buyers, they're very responsive and answered all the questions we have. Sumit, Dean and Meet helped us get through the process and supported us all the way till the end. Their team is very knowledgeable and professional. Highly recommended!
Lifeline Nurses Healthcare Provider
3 years ago on Google
RyRo Loan Centre represents among the highest levels of customer service I have experienced. Information provided was always accurate, responses to queries were turned around very fast. Answers were clear and where necessary detailed enough for me to make informed decisions quickly. I would highly recommend! Special thanks to Sumit, who is very humble, helpful, friendly, knowledgeable and thoughtful. He provided me with lots of help and support to get the right deal for my investment loan. All his responses were always prompt and professional.
Conserve Conserve
a year ago on Google
It was great and an absolute pleasure working with Ryro finance, Sumit and his team for our SMSF LOAN application. They are an expert in this field and the whole process was seamless and stressfree. Didn't even imagine it could be so easy. Thank you Sumit, Dean and the who Ryro team. Best wishes for everything. Regards Samir.
Three recent RyRo Loan Centre loans. Names and suburbs are left out to protect our clients' privacy.
Self-employed scenario
A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender. Another broker had set them up on low doc loans because their tax returns were not ready at the time, so both loans were on high rates.
The interest only change was made on the advice of the clients and their accountant. RyRo does not give tax advice. Speak to your accountant about negative gearing.
Refinance scenario
The clients owned their home, valued at about $2.35M, with a loan of around $735K. With rates rising through 2026 they wanted to stop guessing what their repayments would be from one month to the next.
Rate shown is the rate this client received in 2026. Rates change often and depend on your circumstances, so yours may differ.
Equity release scenario
The clients owned their home, valued at about $1.85M, with two existing NAB loan splits totalling around $1.006M. They wanted to fund non-structural renovations and upgrades and assumed they would need to refinance everything to do it.
Visit us
Meet us in person at Tower A Esplanade, by phone or on video. Most clients do the whole process remotely, and the door is open when you would rather sit down face to face.
RyRo Loan CentreSuite 201, Tower A Esplanade
11 Solent Cct, Norwest NSW 2153
Getting hereTower A Esplanade, 11 Solent Circuit, Norwest. The visitor parking entrance is at the same address.
Common questions
Straight answers about how we work, what it costs and what to expect.
More answers on our home loan FAQ page, or ask your own question.
Talk to a broker
We generally respond within an hour. Prefer to pick a time? Book your strategy call online or contact us.
Sumit Joshi JP
Director, Credit Rep 446824
More videos from Sumit
“Sumit has been amazing through the whole process of refinancing our home loan. So professional and friendly. I highly recommend him to anyone who is looking for a mortgage broker!”
Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026. Car and equipment finance: RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
