Raiz Home Ownership
Want access to our qualified Raiz mortgage broking specialists who will guide you through the loan products from up to 50 banks and lenders? You got it!
Let’s chat

Be rewarded
There are multiple rewards benefits when you borrow through Raiz Home Ownership.

$300 into your Raiz Invest or Raiz Invest Super Account as a Raiz Reward.
For a loan settled through Raiz Home Ownership.

Each month, while the loan is outstanding, we will invest:
$12.50 into your Raiz Invest or Raiz Invest
Super Account as a Raiz Reward.

Plant 12 trees per year on your behalf!
Please read the T&Cs for more information.
Why Raiz Home Ownership
We help like-minded home buyers and investors to secure a better financial future faster.
We take the pressure away to find you the best loan from 50 lenders, then make it happen.
Each Raiz Home Specialist will negotiate with the lender on your behalf. We give you options and work hard to provide a smooth experience to get you into a new home or refinance an existing loan.
By choosing us you are also making the planet a little bit greener every month.
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Frequently Asked Questions
What do I need to get started?
Raiz Home Ownership has a team of qualified home loan specialists. If you were interested in going through with RHO for your lending needs, please contact us at home@raizhomeownership.com.au.
We’ll have a quick conversation over the phone to understand your goals for Home Ownership, and then we’ll go from there.
What is Raiz Home Ownership?
Borrowing to buy a home is not simple, especially when it is your first time.
Raiz Home Ownership has been set up to help Raiz Users buy their home. This means we educate you on the process and help you obtain finance to purchase your home.
We provide a mortgage broking service. A qualified Raiz Home Specialist will guide you through the maze of mortgage products from up to 50 banks and lenders.
The Raiz Home Specialist will also assist you in receiving the incentives available for first home buyers, which can be more complicated than the loan itself.
Is Raiz Home Ownership part of the offer for Raiz Rewards?
For a loan settled through Raiz Home Ownership we will invest $300 into your Raiz Invest or Raiz Invest Super Account as a Raiz Reward
AND
Each month, while the loan is outstanding, we will invest $12.50 into your Raiz Invest or Raiz Invest Super Account as a Raiz Reward
AND
Plant 12 trees per year on your behalf!
Please read the T&Cs.
What type of financing can Raiz Home Ownership do?
We can help with loans for your first home, refinancing of existing residential debt or anything else you ask. The team of Raiz Home Specialists all hail from the big banks with the aim to do it better and give more choice. They have retail banking, private banking and business banking experience. Our main focus reflects our customers, which is home buying. But yes, we have the experience to assist you, so just ask us!
Is there a minimum amount I can borrow?
Yes, the minimum amount is $300,000.
Are the home loans “Raiz’s loans” or are they from a range of banks or lenders?
Raiz is not offering its own loans at this point. They are loans written from up to 50 different lenders (see the point below). But stay tuned. We never sleep at Raiz 😊 and we are always looking at ways to do things better than the big institutions.
What lending institutions do you offer, and can I choose which one?



Am I guaranteed to get a loan?
Unfortunately, no. Home loans are subject to approval from the lending institution and Raiz Home Ownership can make no warranties as to the success of an application.
Can you assist with the government grants?
Yes. When you are ready to commit to your home, a Raiz Home Specialist will be able to help you understand what is available for First Home Buyers grants for Duty and other incentives available.
Can I get a loan if I don’t live in the city?
Yes, recent developments have meant that we can meet you via Zoom or Teams anywhere in Australia. Though when possible we will be happy to come out and meet you face to face. We pride ourselves on our service, so don’t hesitate to let us know what is important to you.
Does it cost me extra to use Raiz Home Ownership to get a loan?
No, the lenders pay Raiz to do the upfront work on their behalf, and we rebate some of what they pay us to you as the upfront Raiz Reward.