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My home

Why should you use a mortgage adviser? We think there is no reason NOT to use a mortgage adviser. Let us explain.

We do all the heavy lifting for you. We take the hassle out of a complicated process and in most cases we don’t charge you anything for our advice. In probably 95% of all cases, you never have to pay us anything.

How and why? Most banks and non-bank lenders pay us a commission to do this work for you. And don’t worry, you don’t pay more for your loans because they are paying us a commission. You pay the same for your loan whether you go directly to the lender or through us.

What about the 5% of cases we do charge? That is mostly for specialist type lending, but we always disclose those potential fees before we even start so that you can decide for yourself if it’s worth using our help.

We focus on YOUR needs, YOUR financial situation and YOUR goals. Our focus is very different from a banks focus. We are always your advocate and we work hard to make sure you get the best deal that works in YOUR favour. Banks are great at what they do, but let’s face it, their main goal is to generate profit for their shareholders.

Every loan that we put together is designed specifically for you, to work in your favour. There is no such thing as a one-size-fits-all loan. Yes, it’s a lot of work on our part, but it’s what we love doing. We get great satisfaction from a thrilled client and have lots of happy clients to show for it. See our testimonials here.

Our relationship with you is ongoing, we review your lending whenever required to ensure your loan is still working for you.

Services

  • Home Loan Pre-approvals
  • Refinance existing loans
  • New home loans
  • Renovation loans
  • debt consolidation
  • investment property loans
  • bridging finance
  • impaired credit loans
  • Personal Loans
  • self-employed loans
  • commercial loan
  • invoice finance (cashflow relief)

Our job is to match your situation with the best lender or combination of lenders. We analyse your situation and work out the best fit for you, which may involve talking to several lenders and putting a combination together which best suits your needs. This may involve you, your business, personal loans, and foreign exchange (FX). These are some of the lenders what we may use to put your lending package together.


If your goal is to pay off your mortgage as quickly as possible and pay less interest, Riverstone can show you how to achieve this!

It’s possible to pay off your mortgage in 1/3 the time and save Hundreds of thousands of dollars in Interest, all while staying within your current household budget.

Does it seem like your current mortgage is a lifetime away from being paid off? Are you buying a new home and need a home loan? The most important thing is to get the right home loan structure, let us help you!

The average two income family can save up to 2/3 of their mortgage debt and pay off their mortgage within 1/3 of the time.

Whatever your mortgage needs, we have a structure suitable for your needs. Using our exclusive process, Mortgage Assist, every mortgage package is structured to meet your specific needs and circumstances, we don’t do a “one size fits all” mortgage.

We also have access to the most competitive interest rates, so talk to us first!


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For Example:

This family came to us with an all-too-familiar story. They work hard, have decent incomes, but just didn’t think they were getting ahead at all. They had a two year old mortgage with 28 years left to go and just couldn’t ever imagine a day that they would be mortgage free. 

Remember that dream? Being mortgage free? For a lot of people these days it’s just not a reality anymore.

We sat down with our clients and went through a full review of their assets, their income and their monthly budget and put a new home loan plan in place for them. Without spending any more money per month or changing any of their spending habits, we were able to show them the light at the end of the tunnel…and the tunnel wasn’t very long at all!

The Numbers: 

  • This family had two incomes of roughly $60,000 each.
  • Their monthly mortgage payment was $2297
  • Their monthly household expenses were $3440

Without spending anymore money per month or making any changes in their lifestyle we were able to help them pay off their mortgage in 9 years and saved them $335,847 in interest that they would have paid over the 30 year mortgage!