Linray Finance & Mortgages

Linray Finance & Mortgages Welcome to Linray Finance and Mortgages! We’re your one-stop shop for all finance needs. Let's get started!

With Tony's 30+ years in asset and equipment finance and Zach, our new mortgage broker, we're ready to help you achieve your financial goals.

Buying a home is about more than saving the deposit.There are other costs to factor in too — things like stamp duty (whe...
08/09/2026

Buying a home is about more than saving the deposit.

There are other costs to factor in too — things like stamp duty (where applicable), conveyancing, inspections, loan costs, insurance and the ongoing costs of owning a home.

Understanding the full picture early can help you work out what you can comfortably afford and avoid unexpected costs along the way.

Before making a move, make sure you know the numbers — not just the deposit.

Not sure what to budget for?

Look to Linray Finance. We can help you understand the finance considerations and prepare for the costs involved before you commit.

📱 Zach: 0493 674 303 | Tony: 0418 625 312
📧 [email protected]
🌐 linrayfinanceandmortgages.com.au



General information only. Consider your circumstances and seek professional advice where appropriate.

We are absolutely heartbroken to hear of Ryan’s passing.From everyone at Linray Finance, our families and our clients — ...
04/09/2026

We are absolutely heartbroken to hear of Ryan’s passing.

From everyone at Linray Finance, our families and our clients — many of whom have shared a long connection with Ryan and the Panorama team — we send our deepest love and condolences to Ryan’s family, friends and everyone at Panorama Accounting and Advisory.

A wonderful person who will be deeply missed by so many.

Rest peacefully, Ryan. ❤️

🏆 FINAL ROUND!Matt leads on 133, with Rock’s Lobsters 🦞 and Lizard2604 🦎 just 2 tips back on 131.Can Matt hold on, or wi...
03/09/2026

🏆 FINAL ROUND!
Matt leads on 133, with Rock’s Lobsters 🦞 and Lizard2604 🦎 just 2 tips back on 131.
Can Matt hold on, or will someone steal it at the death? 👀
And there’s a bit more than bragging rights on the line… TWO NRL GRAND FINAL TICKETS! 🎟️🏉🏆

Good luck!

02/09/2026

Thinking about financing a vehicle, equipment or another business asset?

A little preparation can make the finance process much easier.

Having a clear picture of your business income, expenses, existing debts and what you’re looking to purchase can help you better understand your finance options.

Not sure what you’ll need?

Look to Linray Finance. We can help you understand what to prepare and guide you through your asset-finance options.

📱 Zach: 0493 674 303 | Tony: 0418 625 312
📧 [email protected]
🌐 linrayfinanceandmortgages.com.au



General information only. Consider your circumstances and seek professional advice where appropriate.

Your home loan is more than just the interest rate.A low rate might catch your eye, but it doesn't tell you the full sto...
01/09/2026

Your home loan is more than just the interest rate.

A low rate might catch your eye, but it doesn't tell you the full story.

When reviewing your home loan, look at:

• Interest rate
• Fees
• Repayments
• Loan term
• Loan features

They all play a part in what your loan costs you and whether it's structured appropriately for you.

The lowest rate doesn't always mean the lowest overall cost.

Not sure how your loan stacks up?

Look to Linray Finance. We can help you understand the numbers behind your home loan.

📱 Zach: 0493 674 303 | Tony: 0418 625 312
📧 [email protected]
🌐 linrayfinanceandmortgages.com.au



General information only. Consider your circumstances and seek professional advice where appropriate.

Someone is very happy with her new car .
28/08/2026

Someone is very happy with her new car .

The quote isn't the whole finance decision.Before committing to a vehicle or equipment purchase, don't look at just the ...
27/08/2026

The quote isn't the whole finance decision.

Before committing to a vehicle or equipment purchase, don't look at just the price or repayment.

Check:

• What's included in the purchase
• Interest, fees and term
• Any final balloon or residual amount
• How the commitment fits your cash flow
• How the finance structure works

The right option depends on the asset, the business, and your circumstances.

Not sure what to compare? Linray Finance can help you understand the options and what to consider before you commit.

📱 Zach: 0493 674 303 | Tony: 0418 625 312
📧 [email protected]
🌐 linrayfinanceandmortgages.com.au



General information only. Consider your circumstances and seek professional advice where appropriate.

Have an offset account? It’s worth checking if it’s actually doing its job. 🏠💰ASIC recently identified issues with some ...
25/08/2026

Have an offset account? It’s worth checking if it’s actually doing its job. 🏠💰

ASIC recently identified issues with some mortgage offset accounts, including accounts that were not opened or linked as customers expected.

Take 60 seconds and check:

• Is your offset account actually set up?
• Is it linked to the correct home loan?
• Is your offset balance reducing the amount of your loan used to calculate interest?

An offset account can potentially save you thousands in home loan interest over time — but only if it’s set up and working correctly.

Not sure? Look to Linray. We can help you understand how your home loan and offset are structured.

📱 Zach: 0493 674 303 | Tony: 0418 625 312
📧 [email protected]
🌐 linrayfinanceandmortgages.com.au



General information only. This content is not personal financial advice. Consider your circumstances and seek professional advice where appropriate.

20/08/2026

Don't wait until the purchase becomes urgent.

Before buying or replacing a business vehicle or piece of equipment, it can help to:

• Understand your business numbers
• Consider what you actually need
• Compare your funding options
• Allow time to make an informed decision

The right option will depend on your business, the asset and your circumstances.

Planning an asset purchase? Start the conversation early.
📱 Zach: 0493 674 303 | Tony: 0418 625 312
📧 [email protected]
🌐 linrayfinanceandmortgages.com.au



General information only. Finance is subject to lender criteria, eligibility and approval. Consider your circumstances and seek professional advice where appropriate.

Life doesn't always stay the same. Your home loan may be worth reviewing when your circumstances change.Some common reas...
18/08/2026

Life doesn't always stay the same. Your home loan may be worth reviewing when your circumstances change.

Some common reasons include:

• Renovating your home
• Changes in income or work
• Growing or changing family needs
• New property plans

A review doesn't automatically mean changing lenders or refinancing.

It can simply help you understand whether your current loan still suits your circumstances.

Thinking about reviewing your home loan?

📱 Zach: 0493 674 303 | Tony: 0418 625 312
📧 [email protected]
🌐 linrayfinanceandmortgages.com.au

General information only. Finance is subject to lender criteria, eligibility and approval. Consider your circumstances and seek professional advice where appropriate.

Address

1/1 Buttle Street
Queanbeyan, NSW
2620

Opening Hours

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

Telephone

+61418625312

Website

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