Watch and learn
Mortgage and Home Loan Videos
Short, plain-English videos from Sumit Joshi on buying, borrowing, equity and investing, plus real client stories. Every video has its own page with the full transcript.
- 30 videos, each under four minutes
- Ask Sumit about your own situation, free
5.0 from 360+ Google reviews- 2,500+ clients helped
- Credit Rep 446824
Updated November 2026
5.0From 360+ Google reviews Read them- Clients helped
- 2,500+
- Broker fees on home loans
- $0
- Loan review, no credit check
- Free
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Client stories
Real situations Sumit has worked through, told in his words.
Sumit · 2:59From two properties to four in six months
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.
Sumit · 2:56Approved in days after her broker went quiet
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.
Sumit · 1:27Buying the premises he runs his business from
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.
Buying your first home
What lenders look at, the NSW buying steps and the first home buyer schemes.
Sumit · 1:35What banks look at before they lend
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.
Sumit · 1:07Buying a home in NSW, step by step
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.
Sumit · 0:24First home buyer? Questions to ask first
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.
Sumit · 0:47Four tips for the best chance of approval
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.
Sumit · 1:26The 5% Deposit Scheme and NSW stamp duty together
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.
Sumit · 1:22First home buyer stamp duty in NSW, explained
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.
Sumit · 0:45Three ways to improve your credit score
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.
Sumit · 0:35Will your income be accepted on parental leave?
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.
Equity, upgrading and investing
Using the equity in your home and structuring your next purchase.
Sumit · 0:52What equity is, and how much you can use
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.
Sumit · 0:38Five ways to build equity faster
Five ways to build equity in your home faster: a bigger deposit, extra repayments, lump sum payments, renovations and holding the property for longer.
Sumit · 1:23Five ways to use the equity in your home
Five ways people use the equity in their home: renovations, consolidating expensive debts, investing, starting or growing a business, and paying for large expenses.
Sumit · 3:07Two ways to structure your first investment loan
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.
Sumit · 1:14Upgrading? Keep your first home or sell it
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.
Repayments, offset and refinancing
How offset accounts and extra repayments cut the interest you pay.
Sumit · 1:18Cheaper rate or the right strategy?
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.
Sumit · 0:43How an offset account saves you interest
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.
Sumit · 0:35$50 a week extra could save you $100,000
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.
About RyRo Loan Centre
Who Sumit is and how we work with you from enquiry to settlement.
Sumit · 0:42Welcome to RyRo Loan Centre
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.
Sumit · 0:54We guide you every step until settlement
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.
Sumit · 0:49Mortgages do not need to be complicated
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.
Sumit · 0:24Why follow a mortgage broker?
Why it pays to follow a mortgage broker: plain tips, no jargon, and guidance your bank will not offer.
Car and equipment finance (RyRo Asset Finance)
Rohan Joshi on car, truck and equipment finance.
Rohan · 0:31Extended warranty options when you finance
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.
Rohan · 0:23Under 25? Finance for your first car or truck
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.
Rohan · 0:20Car finance on a skilled worker or temporary visa
Car finance on a visa: Rohan on options for temporary residents, international students and skilled workers, matched to your income and visa type.
Rohan · 0:20New business? Car finance under your ABN
Just started a business and need a car under your ABN? Rohan on lenders that support new businesses with limited trading history or no financials yet.
Rohan · 0:25Finance for business equipment and tools
Rohan on finance for business equipment, from tools to machinery and technology, through a panel of lenders.
Rohan · 0:25Rohan on truck loans
Rohan Joshi, director of RyRo Asset Finance, on truck loans for businesses starting out or growing, through a panel of lenders.
Rohan · 0:22Why Rohan compares a panel of lenders
Rohan on finance for a new or used business vehicle, and why he compares a panel of lenders for each deal.
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.
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Sumit Joshi JP
Principal broker, Credit Rep 446824
- A broker reads your details and calls you back
- No obligation and no credit check
- Free for home loans: the lender pays us
- From 360+ Google reviews
- 5.0
- Clients helped
- 2,500+
- Broker fees on home loans
- $0
“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!”
Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026.