We Help You Secure The Right Finance

We Help You Secure The Right Finance

We Help You Secure The Right Finance

Strategic lending options for First Home Buyers, Property Investors and Home Owners. 

Strategic lending options for First Home Buyers, Property Investors and Home Owners. 

OUR Services

Support for each stage of your property journey

Support for each stage of your property journey

First Home Buyers

Clear guidance through borrowing capacity, deposit requirements, grants, pre-approval, and lender expectations.

Home Owners

For buyers who are purchasing a home to live in, with guidance around borrowing power, repayments, structure, and approval timelines.

Refinancing

Review your current loan, compare available alternatives, and understand where a better structure may support your goals.

Property Investment

Lending strategy for investors who want to balance borrowing power, cashflow, flexibility, and future plans.

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A clear process, with support long after settlement.

Our approach

A clear process, with support long after settlement.

Our approach

A clear process, with support long after settlement.

Our approach

01

Let’s Chat!

Get in touch and we’ll talk about your goals. We’ll review your current situation and figure out exactly what’s possible for your next move — with zero pressure.

01

Let’s Chat!

Get in touch and we’ll talk about your goals. We’ll review your current situation and figure out exactly what’s possible for your next move — with zero pressure.

02

Working Out Your Best Fit

I compare dozens of lenders to find the right loan structure and competitive rates for your strategy.

03

Guiding You to Your Settlement

Once we choose the right path, I handle the banks and the paperwork. I manage your application from start to finish, keeping you updated every step of the way until it’s official.

04

Post Settlement

Settlement isn’t the end of our partnership. I’ll review your loan regularly to make sure your rates stay competitive and your finance setup continues to support your long-term goals.

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About me

For a long time, my world was corporate finance, managing numbers for Tier 1 industry leaders like John Holland and Mirvac. Working deep inside the construction and property world at that scale is exactly where my love for real estate began.

But as much as I loved the fast-paced environment, I realised something was missing. I didn't want to just look at spreadsheets and optimise balance sheets for giant corporations anymore. 

I chose to make a change because I wanted to bring that exact same high-level financial expertise down to a personal level. There is nothing more rewarding to me than using what I know to help everyday people achieve their biggest life goals. Whether that’s guiding you gently through buying your very first home, helping you invest for your future, or just making a big milestone feel simple, safe, and exciting.

Get in touch

Ready to talk through your next move?

Ready to talk through your next move?

Share a few details and I’ll come back to you to arrange a considered first conversation about your lending goals.

Julianne Ratsamy (RJ Finance Group) is a credit representative (No. 412778)

of National Lending Group Pty Ltd ABN 43 152 947 852

Australian Credit License No.

Julianne Ratsamy (RJ Finance Group) is a credit representative (No. 412778) of National Lending Group Pty Ltd ABN 43 152 947 852

Australian Credit License No.

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