Mortgage brokers in Norwest, helping the Hills District and Sydney
Already own a home
Your home is worth more than a roof. Whether you want a better rate, cash for a renovation, a deposit for an investment or a move to your next place, Sumit compares 50+ lenders and sets up the loans the right way.
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
Start here
Owning a home gives you choices first home buyers do not have. Most owners who contact us want to do one of six things. Pick yours and go straight to the detail.
Quick answer
Yes. You can refinance, borrow against your equity, renovate, buy before you sell or buy an investment, as long as your income and the property values support it.
RefinanceMove your loan to a lender with a sharper rate or better features. We compare the market and do the switching costs maths first.
This is for you if your loan has not been reviewed in two years or more, your fixed term is ending, or you suspect new customers are paid less than you. If the numbers do not stack up after costs, we tell you to stay put.
EquityTurn the value you have built into a deposit, a renovation budget or a buffer, with the right structure from day one.
This is for you if your home has gone up in value or your loan has come down, and you want to put that equity to work. We work out your usable equity, how a lender will value it and whether a top up, split or new loan suits.
Check upNot ready to switch? We check your rate, fees, offset and structure against the market and tell you what is worth changing.
This is for you if you have not looked at your loan in a while, your circumstances have changed, or you simply want to know whether you are on a fair deal. Bring your last statement and we do the comparison.
InvestKeep your home and use it to help fund an investment. We set up the loans so the debts stay separate and easy to track.
This is for you if you want a second property that earns rent. Lenders assess the rent, your income and both loans together, and the structure you pick now shapes what you can do next. Talk to your accountant about tax before you buy.
RenovateFund a kitchen, an extension or a knock down rebuild with equity, a top up or a construction style loan.
This is for you if you love the area but the house no longer fits. Small jobs can often come from equity or a top up; bigger structural work may need a loan that pays the builder in stages. We match the loan to the scope.
UpgradeFound your next home before the current one has sold? A bridging loan covers the gap between the two settlements.
This is for you if you are upsizing or moving and do not want to rent in between. Lenders look at your peak debt while you own both homes and your end debt once the first one sells. We map both before you sign.
Buying your first home instead? See all home loans or book a free strategy call and we will point you to the right place.
Which one fits you
Find the line that sounds like you. Each one points to the page that covers it, and the button sends your details to Sumit with that goal already ticked.
If this is you
Your rate has not been reviewed in two years, or your fixed term ends soon
Start with Refinancing. Switching lenders, break costs and the paperwork.
Review my loanIf this is you
You are not sure your loan is still a fair deal and want a check before you change anything
Start with Home loan health check. Rate, fees, offset and structure against the market.
Check my loanIf this is you
You want to free up cash or a deposit from the value you have built
Start with Using your equity. Usable equity, valuations and top up or split loans.
Check my equityIf this is you
You want to keep your home and buy a property to rent out
Start with Investment loans. Loan structure, rental income and your next purchase.
Plan my investmentIf this is you
You want to renovate, extend or rebuild the home you are in
Start with Renovation loans. Equity, top ups and staged payments to your builder.
Price my renovationIf this is you
You are buying your next home before the current one sells
Start with Bridging loans. Peak debt, end debt and the timeline between settlements.
Plan my moveMore than one fits? That is common. A refinance, an equity release and an investment purchase can often happen in one plan. Ask Sumit to map the whole plan.
Buying a second home
To buy a second home, most owners use the equity in their first home for the deposit, then take a new loan for the rest. The lender checks your income against both loans, so work out your usable equity and borrowing power first, then decide whether to keep or sell the first home.
5 steps to a second home
01
Usable equity is the part of your home's value a lender will let you borrow against. A common starting point is 80% of the value less your current loan, because borrowing above 80% of the value usually brings Lenders Mortgage Insurance into play. Some lenders go higher with LMI; the valuation they order is what counts, not the estimate from a property website.
Our guide to using equity to buy your next home walks through the maths step by step.
02
With two properties, the lender looks at your total debt, your living costs and a buffer on the repayments. If you keep the first home as a rental, most lenders count only part of the rent to allow for vacancies and costs. Run a first estimate with our borrowing power calculator, then we test it against the lenders that suit you.
03
04
How the loans are set up decides how easy it is to track interest, change lenders or sell one property later. We usually keep each property's debt in its own loan and avoid tying both homes to one lender where we can. Your accountant should look at the structure before you buy an investment.
05
Free, no credit check.
Clients who upgraded with us
Varsha Mehra
2 years ago on Google
It was a wonderful experience dealing with Sumit Joshi and his team. Sumit was very informative, helpful, responsive and helped us purchase our new home. He was always available to answer any questions we have and really helped streamline the process for us. He guided us and being first home buyers we were completely amateurs and confused. Sumit explained things to us and made sure we understood them. Thank you.
Guru Prasadh
3 years ago on Google
Sumit has been my mortgage broker for over couple of years, and this time he and his team helped me to refinance my loan & they provided best possible advice with regard to rates and assisted in loan restructure as well. The paper work was easy to follow and without hassles. Sumit is always a very approachable person and someone who would be willing to walk the extra mile to provide additional insights. I would highly recommend his services for both new home buyers & investors.
Upgrading
There is no right answer for everyone. It comes down to whether you can carry both loans comfortably, what you need the equity for and how long you plan to hold.
Want both options costed side by side? Ask Sumit to compare keep and sell with your real numbers.
Total selling costs
$31,983
2.7% of the $1,200,000 sale price
Before settlement adjustments (council rates, water, strata) and moving costs. Capital gains tax may apply to an investment property: ask your accountant.
Figures last checked against:
This is an estimate, not financial advice. Results are a guide only. Speak to a broker for accurate figures based on your situation.
Free, no obligation. Your numbers go with your enquiry.
5.0360+ Google reviews
Your current loan
Refinancing changes who you borrow from or what you pay. Using equity changes how much you borrow. Plenty of owners do both in one step.
Worth a look if your loan has not been reviewed in two years or more, or your fixed term is ending. We weigh the saving against discharge fees, any break costs and LMI if your loan is above 80% of the value. See refinancing with a Sydney broker.
Used for a deposit on another property, a renovation or a buffer. Keeping the extra in its own split makes it easy to track. Read about using the equity in your home.
One valuation, one application and one settlement. It suits owners who want a sharper rate and money for the next step. We check whether a top up with your current lender is simpler before we recommend a switch.
Clients who refinanced with us
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!! 😊
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.
Find out what your home can do for you
Tell us your loan, your home's rough value and your goal. Sumit compares the options and calls you back.
5.0 from 360+ Google reviewsFree, no obligation. We generally respond within an hour.
Case studies
Real clients, details kept private. The figures are from the loans we arranged; your rate and outcome depend on your circumstances.
Free, no obligation.
The clients owned their home, valued at about $2.35M, with a loan of around $735K.
Reviewed fixed, variable and split options across our lender panel.
+2 more in the full story
A known repayment for the next two years, which made the household budget easy to plan.
+2 more in the full story
The situation
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.
What we did
The result
Rate shown is the rate this client received in 2026. Rates change often and depend on your circumstances, so yours may differ.
The clients owned their home, valued at about $1.85M, with two existing NAB loan splits totalling around $1.006M.
Checked whether a full refinance would actually leave them better off. It would not.
+2 more in the full story
Access to their equity without disturbing loans that were already working for them.
+2 more in the full story
The situation
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.
What we did
The result
A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender.
Once their tax returns were finalised and showed enough income, refinanced both loans to a major bank on full doc pricing.
+3 more in the full story
Much lower rates across $1.6M of home and investment lending.
+2 more in the full story
The situation
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.
What we did
The result
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.
Google reviews
Real Google reviews of RyRo Loan Centre, word for word.
5.0
From 360+ Google reviews
Vandana Kanwar
a year ago on Google
Amazing service!!! Sumit always guided us about how to manage our finances and investments. He was always available to answer our questions- in person or over the phone. I recognise how time consuming this must be for him; but at no time has he made us feel that it was an inconvenience to him. He not only gave us the best product at the best rate, that suited our refinancing and investment needs but also made the whole process so easy and smooth. We highly recommend their services to anyone who is looking for a good and reliable mortgage broker.
Gurbaksh Dhillon
2 years ago on Google
Sumit and his team are exceptionally knowledgeable about the mortgage process. They secured an excellent refinancing deal for me with minimal documentation required, making the submission process straightforward and hassle-free. Every team member was professional, courteous, and approachable. I highly recommend their services.
Sanjay Wadhwani
2 years ago on Google
Sumit and his teams were absolutely amazing throughout the whole process of refinancing our house and got us a best deal from one of the top 4 banks. Professionals who listen to customers needs with clear communication and sound advice. Highly recommend Sumit!
Anshuman Bhardwaj
2 years ago on Google
Brilliant team and very responsive I am taking help of Sumit and his team for almost 10 years now from my first home to my 6th investment property . He is very helpful, ,informative and respectful to all my questions and needs. Always available and his Team (Dean) also is very knowledgeable . I have recommended them to lot of my friends and also heard good about them. Thanks team and keep up the good work
Broker of the Year 2020Awarded to Sumit Joshi
Who you will deal with
Sumit Joshi JP · Principal broker · Credit Rep 446824
Most owners are sitting on options they have never been shown. My job is to lay them out and set the loans up so the next step is easy.
You deal with Sumit from the first call. He reviews your current loan, works out your equity, compares lenders across the panel and stays on it until settlement. Kathryn then works with your conveyancer and the lender so settlement day runs on time.
We work from the Norwest office and help owners across the Hills District and all of Sydney, in person or by phone and email.
Kathryn ThomasSettlement and client liaison. Kathryn works with your conveyancer and the lender from exchange to settlement day.
Why Sydney borrowers choose RyRo
Rated by clients, recognised by lenders
AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026
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
Answers on demand
Answers to common questions about home loans, deposits, approval times, refinancing and upsizing, and how we help Sydney and NSW borrowers.
10 answers in 3 topics
It can be, if the numbers work with room to spare. A second property can grow your wealth through rent and long term growth, but it adds debt, costs and risk. Before you commit, check that you can cover both loans if rates rise or the property sits empty for a while, and talk to your accountant about tax. We map the borrowing side for you.
Investment property loansEnough to cover the deposit and buying costs on the new property, such as stamp duty. Lenders often let you use up to 80% of your current home’s value less your loan, and more with LMI. The exact amount depends on the lender’s valuation, your income and how much you want to borrow in total.
Using your home equityYes. Many owners use the equity in their first home for the deposit and keep it as a rental or a holiday home. The lender assesses both loans against your income. If you plan to sell the first home later, a bridging loan can cover the time you own both.
Bridging loansKeep it if the rent and your income cover both loans comfortably and you want to hold for the long term. Sell it if you need the cash for the next home, want a smaller debt or would struggle to cover a gap in rent. Tax, costs and your plans all matter, so get your accountant’s view too.
Yes. You can move to a new lender and increase the loan in one application, as long as the new lender’s valuation and your income support it. Some people keep the extra amount in a separate split so it is easy to track. We check whether staying with your current lender and topping up is the simpler option.
Our refinancing serviceA bridging loan lets you settle on your new home before the current one sells. During the bridging period you carry the peak debt, which is both loans combined. Once your old home sells, the sale proceeds pay down the loan to the end debt. Lenders set a time limit for the sale, so plan the timeline with us before you sign.
Bridging loans guide for upgradersUsually, yes. Smaller jobs can often be funded with equity through a top up or a split loan. Larger structural work, such as an extension or a knock down rebuild, may need a loan that pays the builder in stages as the work is done. The lender may value the home on its finished value for larger jobs.
Renovation loansA free review of the loan you already have. We compare your rate, fees and features such as offset against what lenders offer today, check that the structure still suits you, and tell you whether refinancing, repricing with your lender or staying put makes the most sense. Bring your latest statement.
Home loan health checkWe are a broker, not a tax adviser, so we do not give tax advice. Tax on a second property depends on how you use it, whether it is rented and how long you hold it. Speak to your accountant before you buy, and read the ATO’s guidance on the main residence exemption. We then set up the loans to match the plan your accountant gives you.
No. RyRo Loan Centre charges $0 broker fees on home loans, including refinancing and equity releases, because the lender pays us when a loan settles. The review and strategy call are free, and if your current loan is already a good deal we will tell you to keep it.
Free tools
Run your numbers before you talk to a lender. Each tool takes a minute and the result can go straight to Sumit.
Want the numbers checked?
Rated 5.0 from 360+ Google reviews. Sumit works through figures based on your actual loan.
From the blog
The questions owners ask us most: how equity works when you buy again, whether to rent out the first home, and how to buy before you sell.
Home Loans · 13 min read
When you buy a second home with equity, the lender is not giving you the value of your house. It is lending against 80 percent of it, minus what you still owe. This guide shows the usable equity calculation step by step, what the next purchase actually costs at 2026/27 NSW duty rates, and whether you are better off keeping the first home or selling it.
Read the guide
Investment · 15 min read
Selling is not the only way to upsize. You can release equity from the home you already own, buy the next one, and keep the first as a rental. This guide runs the 80 percent LVR equity release, the serviceability test at the buffered rate with rent shaded 20 percent, the CGT six year rule, and the reason the interest on your equity release probably is not deductible.
Read the guideHome Loans · 23 min read
A bridging loan lets you buy your next home before your current one sells. For Hills District upgraders trading up to Kellyville, Bella Vista or Cherrybrook, it can be the difference between landing the right home or losing it. Here is exactly how bridging finance works in 2026.
Read the guide
Free 12-page guide
Moving up is two property deals running at once. Every cost on both sides, your usable equity, and whether to sell first or buy first.
5.0 from 360+ Google reviews · Emailed to you straight away
Talk to Sumit
We generally respond within an hour. Prefer to pick a time? Book your strategy call online or contact us.
Sumit Joshi JP
Principal broker, 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.
