Rizon Finance

17/12/2025

Because having a broker makes it less stressful for you!
It lets you focus on other things, and they do the hard work for you, they can find you the best deals and help you achieve your dreams!
A good broker can compare deals from a wide variety of Lenders to get you the very best deal for your personal circumstances and needs.

Reach out if you would like a chat with me to see if we can make your dreams a a reality.

24/11/2025

I thought this was worth a reshare!
As we head into silly season we need to save as much money as we can!

🏦 When was the last time your bank called you to say: “Hey, we noticed you could save thousands — let’s help you refinance”?

Exactly....

The truth is, your bank’s job is to make money from you — not save it for you.

A good broker?

✅ They work for YOU, not for the banks.
✅ They spot better deals before you overpay.
✅ They build a plan tailored to your life, not their bottom line.

Mortgage advice isn’t just about “getting a loan” — it’s about protecting your future.

📲 Want to see if your loan is still serving you — or costing you thousands?

Book a free 15-min session here: https://calendly.com/rizonfinance/finance-session

Or DM me “Save Me” and I’ll run a free health check for you.

📞 0493 887 239
📨 [email protected]
💻 Http://www.rizonfinance.com.au/

17/11/2025

What a weekend!!!

Anyone not go to the AC/DC gig!!!
It was absolutely awesome, And it was a great way to unwind!

We stayed in the city overnight to get some shopping in and relax a little,

Now I think i need to refinance as this stuff ain't cheap 😆🤪

If you too felt the sting of the weekend and are looking for some financial help please get in touch!?

📞 0493 887 239
📨 [email protected]
💻 Http://www.rizonfinance.com.au/

Dan.

03/10/2025

These boys of ours are growing up so fast! Now they’re teenagers! How did that happen!
Part of me changing direction back into my mortgage and finance roots was because I want to be present more with them while I can!

It’s important to spend time with family, and sometimes our work swallows up all our time!
Wether we are stressing about paying the mortgage or other bills! a or maybe we are facing burnout and need a big holiday????
Perhaps you just want to worry that bit less day to day?

🔑 Work-Life Balance: Why It Matters

📌 What is it?
Work-life balance means managing your time so you can do well at work and enjoy your personal life.

🏡 For me having a better work life balance it’s all about

👨‍👩‍👦‍👦Quality time with my family
🏖More Holidays
🧠 Less stress = Better focus with clients
💬 More energy for building relationships
✅ Avoid burnout in a demanding industry
🕐 Improved productivity — not just working more, but working smarter

✅ Final Thought
Balance isn’t about doing less work—it’s about making time for what really matters. Whether you’re helping people into homes or living in one, balance brings better results and more happiness,

So if financial strain or the burden of paying your mortgage is weighing you down, get in touch and i can see what i can do to help?

💻 [email protected]
📞 0493 887 239
✉️ Http://www.rizonfinance.com.au/

01/10/2025

💻 [email protected]
📞 0493 887 239
✉️ Http://www.rizonfinance.com.au/

✅ Why Referrals Matter for Mortgage Brokers,

It’s a high Trust-Based Industry
Home loans are one of the biggest financial decisions people make.
Borrowers want someone they can trust, and personal recommendations carry more weight than ads or cold calls, plus I hate cold calling!
92% of consumers trust referrals from people they know, so this is why personal recommendations are so important to me,
I pride myself on my personable nature, my honesty, great communication skills and above all my integrity!

My page is fairly new but my knowledge and experience is vast! As I’ve been in the industry over 15 years!

01/10/2025

The mortgage broking industry is going from strength to strength, now capturing 74.6% of the home loan market, despite interest rates remaining at decade-high levels.

Data from the MFAA reveals that brokers are writing more than seven out of ten home loans, with refinancing emerging as a key driver of growth in the current economic environment.

Using a mortgage broker is a great way to compare your options, and there are a number of reasons why borrowers are choosing not to deal directly with lenders.

-Access to more options

Mortgage brokers have access to a broad panel of lenders, ranging from major banks to specialist lenders. This means they can compare hundreds of products to find one that matches your unique financial situation.

Unlike going directly to a single bank, working with a broker ensures you’re not limited to the products of just one institution

-Expert guidance

Working your way through the home loan process on your own can be overwhelming, particularly for first-home buyers. A mortgage broker provides personalised guidance, explains the finer details and helps you understand the terms and conditions associated with different loans. This professional insight can be invaluable in making informed decisions based on your personal circumstances.

-Time-saving convenience

Comparing home loans and managing the application process can be time-consuming. Mortgage brokers handle the legwork for you, from submitting applications to liaising with lenders.

This convenience frees up your time and ensures your application progresses smoothly.

-Support during the entire process

A mortgage broker’s support doesn’t stop once your loan is approved. They often assist with post-settlement queries and can help you reassess your loan in the future to ensure it remains competitive.

This ongoing service can make a significant difference in managing your finances over time.

Mortgage brokers are also able to offer guidance about obtaining lending in the future so you can continue to build your property portfolio, or upgrade your home when the time is right.

18/09/2025

💻 [email protected]
📞 0493 887 239
✉️ Http://www.rizonfinance.com.au/

Alternative paths to homeownership gain momentum.

Traditional homeownership paths are changing, as Australians increasingly look at new ways to enter the property market, amid rising living costs and affordability challenges.
According to Helia's latest Home Buyer Sentiment Report, only 15 per cent of first-home buyers believe they can save a full 20 per cent deposit of a property, leading to increased interest in alternative finance options like lenders mortgage insurance (LMI).
The report reveals that 84 per cent of first-home buyers preferred to purchase sooner with a smaller deposit, rather than delay their purchase to save more.
Cost of living has overtaken housing prices as the main barrier to homeownership.

Greg McAweeney, Chief Commercial Officer at Helia, said LMI has become a popular solution. "LMI allows homebuyers to secure a property with as little as a 5 per cent deposit, eliminating the delay caused by waiting years to save a full 20 per cent," Mr McAweeney said.

〰️Changing family dynamics 〰️

While family support remains key for young buyers entering the property market, this approach is evolving.
Direct contributions to deposits from parents dropped from 60 per cent in 2023 to 47 per cent in 2024.
Instead, families are finding alternative ways to assist, such as helping with ongoing costs and covering LMI fees, the report finds.

〰️Looking beyond major cities 〰️

Affordability challenges are pushing buyers to consider interstate purchases, with 40 per cent of first-home buyers now exploring this option.
The trend of 'rentvesting'—buying an investment property in a more affordable location while renting elsewhere—is also gaining traction.

PropTrack data reveals that a median-income household earning over $112,000 per year can now afford just 14 per cent of homes nationwide, compared to 43 per cent three years ago.

〰️The evolving role of mortgage brokers 〰️

These shifting trends have transformed the role of mortgage brokers.
They are no longer just loan facilitators but also offer expert guidance, helping buyers to navigate modern homeownership options.

The Helia report shows that 91 per cent of first-home buyers plan to use a mortgage broker for their expertise, time savings, and access to better deals. "Mortgage brokers play a vital role in educating clients about the benefits of LMI as a viable alternative to traditional savings strategies," Mr McAweeney said. "By not offering LMI as an option, mortgage brokers risk missing clients who might otherwise have been able to afford a mortgage with a smaller deposit and LMI," he said.

13/09/2025

I hope everyone is having a nice weekend!

I wanted to take a few minutes to reintroduce myself,
My name is Dan, I live in bannockburn with my wife, two teens and our dog,

I Love Playing Pool and Golf, Camping, and spending time with my family and friends,
and to some of you I may look familiar??

That is because until last year I was the owner operator of Pristine Outdoor Property Services!
After realising that whilst my mind was very willing for the property maintenance gig, my body was not 😂 and so I decided to return to my mortgage and finance roots which I’d been doing for many years prior!

know I am one of your local finance guys!
I can help you with all things mortgage and finance!
So wether your looking for a mortgage, a remortgage, self employed lending or other financial assistance please feel free to give me a call, message or email, for a NO obligation chat to see if I can help you with your needs?

✉️ [email protected]
📞 0493 887 239
💻Http://www.rizonfinance.com.au/

Thankyou for reading, and if you would like to keep up to date with what I’m doing, what I have to offer or any tips etc then please like/follow my page, it would be so much appreciated.

Cheers,
Dan.

Rizon Finance is a mortgage brokerage based in Geelong, Victoria. We help clients across Geelong, Bellarine Peninsula, and Surf Coast get clear, honest home loan advice — specialising in first home buyers and self-employed lending

13/09/2025

Property prices continue upward ⬆️

Property prices across the country continue to rise, however, the pace of growth is easing.
November’s CoreLogic Home Value Index (HVI) edged up 0.1%, marking the 22nd straight month of growth.
Perth continues to shine, leading the nation with a 1.1% rise last month and 3% growth over the quarter.
Regional markets also remain resilient, outperforming capital cities with a 1.1% quarterly increase, highlighting the ongoing appeal of lifestyle destinations.
Even in softer markets like Sydney and Melbourne, elevated stock levels are giving buyers more choice, while affordability challenges are encouraging creative investment strategies.
CoreLogic says that with 2025 on the horizon, potential policy changes and a housing supply crunch could create new opportunities for market growth.

29/08/2025

As a sponsor for our local soccer club Golden Plains Soccer Club I will be there to meet people, and may even partake in the use of the Bar 😝!!

Why not come along and watch a few games, the Canteen and Bar will be open, and you can come say hello to me if you wish so you can size me up 😂😉

⭐️⭐️Here is what the club has to say⭐️⭐️

This Sunday the 31st August is our final BIG weekend at the club, hosting 5 home games. ⚽⚽⚽⚽⚽

We are also hosting our sponsors day from 12.30-4.00pm to say a massive THANK YOU 🙏 for their amazing support this year and years to come.

We have been lucky enough to secure a temporary liquor licence for this Sunday, so not only will we have a FULL Canteen running all day, the BAR will also be open for the Senior Games.

Let's come together as the awesome club we are and show our sponsors and other team mates what GOLDEN PLAINS SOCCER CLUB is all about. 🦅

24/08/2025

Residential property listings across Australia dropped sharply in June 2025, as winter’s seasonal lull took hold.

According to SQM Research, total listings fell 8.8% over the month to 234,067 properties. While activity slowed month-on-month, overall supply remains marginally higher than this time last year, up 1% compared to June 2024, suggesting a gradual easing of longer-term market pressure.

Melbourne saw the largest monthly fall at 12%, down to 36,838 listings, slightly lower than June 2024. Sydney followed with a 10.3% drop, but its 31,489 total listings were still 6.7% higher than a year ago, indicating a modest build-up in housing supply. Brisbane listings fell 7.3% over the month and are now 3.5% lower than last year.

Perth stood out as the strongest performer year-on-year, with listings up 23.5% despite a 9.7% monthly decline. Canberra and Adelaide also showed solid annual gains, while Darwin bucked the trend with a steep 32.7% drop in listings compared to 2024.