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yearly 0.3 https://www.ryroloancentre.com.au/terms 2026-08-29T00:00:00.000Z yearly 0.3 https://www.ryroloancentre.com.au/disclaimer 2026-08-29T00:00:00.000Z yearly 0.3 https://www.ryroloancentre.com.au/cookies 2026-08-29T00:00:00.000Z yearly 0.3 https://www.ryroloancentre.com.au/sitemap-page 2026-08-29T00:00:00.000Z monthly 0.4 https://www.ryroloancentre.com.au/videos 2026-11-13T00:00:00.000Z monthly 0.6 https://www.ryroloancentre.com.au/videos/meet-sumit-joshi-mortgage-broker-norwest Welcome to RyRo Loan Centre https://www.ryroloancentre.com.au/media/video/welcome-to-ryro.jpg Sumit Joshi introduces RyRo Loan Centre in Norwest: home loans, refinancing, business and commercial loans, land and construction loans, from a broker with more than a decade of experience. https://www.ryroloancentre.com.au/media/video/welcome-to-ryro.mp4 42 2025-05-05T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/we-guide-you-every-step-to-settlement We guide you every step until settlement https://www.ryroloancentre.com.au/media/video/we-hold-your-hand.jpg How we work: from your first home to your fifth property, a business or a commercial purchase, in your own name, a company or a trust, we guide you until the loan is approved and settled. https://www.ryroloancentre.com.au/media/video/we-hold-your-hand.mp4 54 2025-07-01T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/mortgages-made-simple Mortgages do not need to be complicated https://www.ryroloancentre.com.au/media/video/mortgages-made-simple.jpg Sumit on making mortgages simple: a broker since 2013, home to commercial lending, personal, company and trust borrowers, and more than 50 lenders on the panel. https://www.ryroloancentre.com.au/media/video/mortgages-made-simple.mp4 49 2025-06-11T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/why-follow-a-mortgage-broker Why follow a mortgage broker? https://www.ryroloancentre.com.au/media/video/brokers-are-like-fitness-coaches.jpg Why it pays to follow a mortgage broker: plain tips, no jargon, and guidance your bank will not offer. https://www.ryroloancentre.com.au/media/video/brokers-are-like-fitness-coaches.mp4 24 2025-07-03T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/client-story-two-properties-to-four From two properties to four in six months https://www.ryroloancentre.com.au/media/video/client-feedback-story.jpg Sumit tells the story of a couple who came to refinance, then used the equity they had not tapped to buy a third property and later a fourth through their SMSF, all within about six months. https://www.ryroloancentre.com.au/media/video/client-feedback-story.mp4 179 2025-07-22T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/client-story-approved-after-broker-went-quiet Approved in days after her broker went quiet https://www.ryroloancentre.com.au/media/video/what-i-will-get-you.jpg A buyer two weeks from settlement had heard nothing from her broker. Sumit took the call on a Saturday, lodged on Monday and had unconditional approval by Wednesday, so she settled on time. https://www.ryroloancentre.com.au/media/video/what-i-will-get-you.mp4 176 2025-07-17T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/client-story-buying-business-premises-with-equity Buying the premises he runs his business from https://www.ryroloancentre.com.au/media/video/paperwork-walkthrough.jpg A business owner had a week to get approval to buy the premises he had leased for seven years, with no recent tax returns and no savings. Sumit used the equity in another property to fund the whole purchase. https://www.ryroloancentre.com.au/media/video/paperwork-walkthrough.mp4 87 2025-07-29T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/cheaper-rate-or-the-right-mortgage-strategy Cheaper rate or the right strategy? https://www.ryroloancentre.com.au/media/video/what-clients-ask.jpg Should you chase the cheapest rate or the right strategy? How offset accounts, equity and the right loan structure can matter more than the rate over time. https://www.ryroloancentre.com.au/media/video/what-clients-ask.mp4 78 2025-06-01T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/what-banks-look-at-before-they-lend What banks look at before they lend https://www.ryroloancentre.com.au/media/video/3-factors-buying-a-home.jpg The three things a bank looks at before it lends on your first home: your total income (including overtime and bonuses), the debts you already have, and the savings you have for the deposit and stamp duty. https://www.ryroloancentre.com.au/media/video/3-factors-buying-a-home.mp4 95 2025-05-13T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/buying-a-home-in-nsw-step-by-step Buying a home in NSW, step by step https://www.ryroloancentre.com.au/media/video/buying-steps-nsw.jpg The six steps from finding a home to settlement in NSW: the initial deposit, the contract, the five day cooling off period, the 10% deposit and settlement, usually about 42 days after the contract is signed. https://www.ryroloancentre.com.au/media/video/buying-steps-nsw.mp4 67 2025-05-29T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/first-home-buyer-questions-to-ask First home buyer? Questions to ask first https://www.ryroloancentre.com.au/media/video/first-home-guarantee-do-you-qualify.jpg The questions a first home buyer should answer before they apply: do you qualify for the government scheme, which lender suits your situation and how much savings you need. https://www.ryroloancentre.com.au/media/video/first-home-guarantee-do-you-qualify.mp4 24 2025-05-12T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/four-tips-for-home-loan-approval Four tips for the best chance of approval https://www.ryroloancentre.com.au/media/video/higher-deposit-less-lmi.jpg Four tips for the best chance of approval on your first home loan: steady income, the biggest deposit you can manage (less lenders mortgage insurance), a clean credit file and fewer other debts. https://www.ryroloancentre.com.au/media/video/higher-deposit-less-lmi.mp4 47 2025-06-13T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/5-percent-deposit-scheme-and-nsw-stamp-duty The 5% Deposit Scheme and NSW stamp duty together https://www.ryroloancentre.com.au/media/video/deposit-and-price-caps.jpg How the federal 5% Deposit Scheme changed from 1 October 2025, and why first home buyers in NSW still need to plan for stamp duty above the exemption threshold. https://www.ryroloancentre.com.au/media/video/deposit-and-price-caps.mp4 86 2025-09-03T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/first-home-buyer-stamp-duty-nsw First home buyer stamp duty in NSW, explained https://www.ryroloancentre.com.au/media/video/stamp-duty-first-home-nsw.jpg How the NSW first home buyer stamp duty exemption and concession work for homes and vacant land, and where to work out your own figure. https://www.ryroloancentre.com.au/media/video/stamp-duty-first-home-nsw.mp4 82 2025-05-15T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/three-ways-to-improve-your-credit-score Three ways to improve your credit score https://www.ryroloancentre.com.au/media/video/office-desk-talk.jpg Three ways to improve your credit score before you apply for a home loan: pay every bill and loan on time, limit credit enquiries, and check your credit report for errors and dispute them. https://www.ryroloancentre.com.au/media/video/office-desk-talk.mp4 45 2025-06-04T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/home-loan-on-parental-leave Will your income be accepted on parental leave? https://www.ryroloancentre.com.au/media/video/will-my-income-be-accepted.jpg Can you get a home loan while you or your partner are on parental leave? Yes, lenders can count your income with a letter from your employer that confirms your return date and income. https://www.ryroloancentre.com.au/media/video/will-my-income-be-accepted.mp4 35 2025-05-28T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/what-is-equity-and-usable-equity What equity is, and how much you can use https://www.ryroloancentre.com.au/media/video/what-is-equity.jpg What equity is, and how much of it you can usually use: 80% of your property value less what you owe. Worked through on a $1 million home with a $500,000 loan. https://www.ryroloancentre.com.au/media/video/what-is-equity.mp4 52 2025-05-06T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/five-ways-to-build-equity-faster Five ways to build equity faster https://www.ryroloancentre.com.au/media/video/5-ways-to-create-equity.jpg Five ways to build equity in your home faster: a bigger deposit, extra repayments, lump sum payments, renovations and holding the property for longer. https://www.ryroloancentre.com.au/media/video/5-ways-to-create-equity.mp4 38 2025-05-07T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/five-ways-to-use-your-home-equity Five ways to use the equity in your home https://www.ryroloancentre.com.au/media/video/5-ways-to-use-equity.jpg Five ways people use the equity in their home: renovations, consolidating expensive debts, investing, starting or growing a business, and paying for large expenses. https://www.ryroloancentre.com.au/media/video/5-ways-to-use-equity.mp4 83 2025-05-08T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/two-ways-to-structure-your-first-investment-loan Two ways to structure your first investment loan https://www.ryroloancentre.com.au/media/video/whiteboard-loan-structure.jpg Sumit draws two ways to structure your first investment purchase using the equity in your home: one cross-secured loan, or split loans that keep the properties separate. The total borrowed is the same. https://www.ryroloancentre.com.au/media/video/whiteboard-loan-structure.mp4 187 2025-07-04T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/keep-or-sell-your-home-when-upgrading Upgrading? Keep your first home or sell it https://www.ryroloancentre.com.au/media/video/keep-or-sell-when-upgrading.jpg Upgrading to a bigger home? The pros and cons of keeping your first home as an investment or selling it, including the effect on negative gearing and your borrowing power. https://www.ryroloancentre.com.au/media/video/keep-or-sell-when-upgrading.mp4 74 2025-06-10T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/how-an-offset-account-works How an offset account saves you interest https://www.ryroloancentre.com.au/media/video/what-is-an-offset-account.jpg How an offset account works: money in it reduces the balance you pay interest on, every day. Worked through on a $500,000 loan with $50,000 in the offset, plus the fees to watch for. https://www.ryroloancentre.com.au/media/video/what-is-an-offset-account.mp4 43 2025-05-26T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/extra-repayments-and-interest-saved $50 a week extra could save you $100,000 https://www.ryroloancentre.com.au/media/video/paying-off-interest-faster.jpg How an extra $50 a week on a $700,000 loan could take years off the term and save a large amount of interest, at the example rate used in the video. https://www.ryroloancentre.com.au/media/video/paying-off-interest-faster.mp4 35 2025-05-27T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/car-finance-extended-warranty-options Extended warranty options when you finance https://www.ryroloancentre.com.au/media/video/new-or-used-car.jpg Rohan Joshi of RyRo Asset Finance on the extended warranty options available when you finance a new or used vehicle, covering roadside assistance and major repairs. https://www.ryroloancentre.com.au/media/video/new-or-used-car.mp4 31 2025-07-09T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/first-car-or-truck-finance-under-25 Under 25? Finance for your first car or truck https://www.ryroloancentre.com.au/media/video/work-use-finance.jpg Under 25 and buying your first car or truck, for personal or work use? Rohan explains how he matches first-time borrowers with lenders that suit them. https://www.ryroloancentre.com.au/media/video/work-use-finance.mp4 23 2025-06-19T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/car-finance-on-a-visa Car finance on a skilled worker or temporary visa https://www.ryroloancentre.com.au/media/video/skilled-worker-finance.jpg Car finance on a visa: Rohan on options for temporary residents, international students and skilled workers, matched to your income and visa type. https://www.ryroloancentre.com.au/media/video/skilled-worker-finance.mp4 20 2025-06-17T09:00:00+10:00 yes 2026-11-13T00:00:00.000Z yearly 0.5 https://www.ryroloancentre.com.au/videos/abn-car-finance-for-new-businesses New business? Car finance under your ABN https://www.ryroloancentre.com.au/media/video/no-credit-history.jpg Just started a business and need a car under your ABN? 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0.7 https://www.ryroloancentre.com.au/blog/how-to-finance-a-property-development-sydney-2026 2026-09-30T10:17:08.401Z monthly 0.7 https://www.ryroloancentre.com.au/blog/buying-commercial-property-with-super-smsf-2026 2026-09-30T10:17:08.401Z monthly 0.7 https://www.ryroloancentre.com.au/blog/smsf-home-loan-buy-property-with-super-2026 2026-09-30T10:08:12.896Z monthly 0.7 https://www.ryroloancentre.com.au/blog/car-loan-vs-novated-lease-vs-dealer-finance-2026 2026-09-30T10:11:14.762Z monthly 0.7 https://www.ryroloancentre.com.au/blog/family-home-guarantee-single-parent-2026 2026-09-30T10:05:14.922Z monthly 0.7 https://www.ryroloancentre.com.au/blog/negative-gearing-sydney-example-2026 2026-08-16T08:29:46.409Z monthly 0.7 https://www.ryroloancentre.com.au/blog/self-employed-low-doc-home-loan-documents-2026 2026-09-30T10:08:12.896Z monthly 0.7 https://www.ryroloancentre.com.au/blog/help-to-buy-vs-first-home-guarantee-vs-5-percent-deposit-nsw-2026 2026-09-30T10:07:03.168Z monthly 0.7 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