Ryan Loh - Empower Financial Mortgage Broker

Ryan Loh - Empower Financial Mortgage Broker ~ Tailored Mortgages To Meet Your Needs ~ I also enjoy giving them advice on how they can refinance their homes or invest in property.

As a Mechanical Engineer, I was able to utilise my problem-solving skills and passion for people to build an incredibly successful career. When I found myself wanting to work more directly with people, I knew that becoming a mortgage broker would be the perfect next step for me. As a mortgage broker, I am able to use my critical thinking skills to help clients find the right loan for their unique

situation. My job is all about helping people find solutions. Whether they’re looking for ways to improve their current financial situation or they want to buy their first home, I love helping them achieve their goals! Credit Representative Number 463195 is authorised under Australian Credit Licence 389328.

Should you buy, or keep renting?It's one of the most common questions I get and the honest answer is: it depends.Not on ...
10/06/2026

Should you buy, or keep renting?

It's one of the most common questions I get and the honest answer is: it depends.

Not on what your friends did.
Not on what the market is doing this week.
On your numbers and your next five to ten years.

I've seen people who were convinced they couldn't afford to buy and they could. I've also seen people ready to jump in who needed a little more time to get their position right first.

That's why the first conversation is always about where you're at, not pushing you in either direction.

If you've been sitting on this question for a while, let's workshop the numbers together.

You might be closer than you think.
Or you might have a clearer plan for when the right time actually is.

Drop me a message or book a time here.
https://empowerfinancial.com.au/contact/

Bad credit doesn’t always mean “no”.Missed payments, defaults or a low credit score can stay on your credit file for yea...
22/05/2026

Bad credit doesn’t always mean “no”.

Missed payments, defaults or a low credit score can stay on your credit file for years — but every situation is different.

If you’ve had adverse credit history before, don’t assume home ownership or investing is off the table.

There may still be options available (sometimes with higher interest rates or different lender requirements).

The key is understanding where you stand now and planning the next step.

🔍 Free Credit Check: https://www.equifax.com.au/personal/ (once every 3 months)

You May Have More Options Than You Think.🏡 Your current home could potentially become:✔ An investment property✔ A source...
19/05/2026

You May Have More Options Than You Think.

🏡 Your current home could potentially become:
✔ An investment property
✔ A source of equity for your next home
✔ A way to benefit from existing negative gearing arrangements (consult with an accountant)

If you’ve owned your home for 5–10+ years and built up equity, upgrading doesn’t always mean selling.

Some homeowners may have the option to keep their current home as an investment property, upgrade to a larger family home, and potentially continue accessing negative gearing benefits under existing grandfathering arrangements.

The question is:

Could your current home help fund your next chapter?

I can help assess your borrowing capacity, equity position and possible pathways before you make a move.

Let’s chat.

🗓 Book a Call – https://empowerfinancial.com.au/contact
📞 0431 381 596
📧 [email protected]

Since the recent budget, some investors may become more cautious buying established properties. Over time, this could me...
15/05/2026

Since the recent budget, some investors may become more cautious buying established properties.

Over time, this could mean less competition and more opportunity for first home buyers.

No one knows exactly how the market will respond, but periods of change can create opportunities for buyers who are prepared.

If you’ve been sitting on the fence, it may be worth revisiting your options and understanding what may now be possible.

Curious how your borrowing position or buying options look today?

Let’s have a conversation.

🗓 Book a Call – https://empowerfinancial.com.au/contact
📞 0431 381 596
📧 [email protected]

How Lenders Assess Business Income?They look beyond turnover.Consistency matters most.Banks analyse income trends, not j...
20/04/2026

How Lenders Assess Business Income?

They look beyond turnover.
Consistency matters most.

Banks analyse income trends, not just annual figures.

I’ll help you prepare your financials properly so lenders see the true strength and stability of your business.

Message me to review your income strategy.
🗓 Book a Call –
https://empowerfinancial.com.au/contact
📞 0431 381 596
📧 [email protected]

Don’t Let Tax Planning Hurt Your BorrowingMany business owners lower taxable income, which can reduce borrowing power. I...
14/04/2026

Don’t Let Tax Planning Hurt Your Borrowing

Many business owners lower taxable income, which can reduce borrowing power.

I’ll help balance smart tax planning with loan eligibility, in coordination with your accountant.

Message me to review your income strategy.

🗓 Book a Call –
https://empowerfinancial.com.au/contact
📞 0431 381 596
📧 [email protected]

A 20% deposit is ideal – but it’s not essential.So many people think they have to wait years to save a massive deposit t...
25/01/2026

A 20% deposit is ideal – but it’s not essential.

So many people think they have to wait years to save a massive deposit to get into their first home.

Not true. Depending on your circumstances, you could get into the market with as little as 5%.

We help first home buyers access:
– Low deposit loan options
– First Home Guarantee schemes
– Lender's Mortgage Insurance (LMI)
– Connections to other professionals

Waiting might feel safe. But sometimes, it ends up being more expensive in the long run.

Let’s chat about what’s possible for you now.

We get it. When you're making a big decision, you want to try make sure the timing is perfect. But waiting can quietly c...
22/01/2026

We get it. When you're making a big decision, you want to try make sure the timing is perfect. But waiting can quietly cost you more than acting.

The property market doesn't stand still – but your strategy can move with it.

If you want to buy, start the plan now. Future you will be glad you did.

Purchasing property with someone – whether it's a partner, friend, or sibling – is a big move.Make sure you’ve talked ab...
17/01/2026

Purchasing property with someone – whether it's a partner, friend, or sibling – is a big move.

Make sure you’ve talked about:
1. How you’ll split the deposit and repayments
2. What happens if one of you wants out early
3. Whether you’re buying as tenants in common or joint tenants

These conversations are the smart ones to have – don't worry about it feeling awkward at first.

And then once you've got that clarity, get it touch and we’ll help you structure things properly.

You don’t need a dramatic interest rate drop to make refinancing worthwhile.You might:– Unlock equity to renovate, inves...
14/01/2026

You don’t need a dramatic interest rate drop to make refinancing worthwhile.

You might:
– Unlock equity to renovate, invest or clear debt
– Adjust your repayments for breathing room
– Consolidate multiple loans or lenders

Let’s explore your options – and see what makes sense for you, relative to your goals.

Address

Altona Meadows, VIC
3028

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61431381596

Website

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