Welcome to RJS Loan Solutions

First Home Buyers

If you are thinking about purchasing your first home, it is important to speak with a finance professional at RJS Loan Solutions.

Buying your first home is a big step to take and one that comes with many questions and decisions. The first big question is how much you can borrow and what your likely repayments will be.

And because you are a first home buyer, you may be eligible for a first home buyer grant and/or stamp duty exemptions. This grant may be available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence. For more information on First Home Owner Grant in Victoria please visit the State Revenue Office (SRO) website.

We will liaise with the lender. It is our job to do the hard work and you can focus on finding the right home for you. We will be there every step of the way to guide you through the entire home loan process – from application to approval.

Purchasing an Investment property

Australians are big fans of investing in residential property. Generations have built their wealth on bricks and mortar, secure in the knowledge that residential real estate can deliver regular, tax-friendly rent returns and long-term growth in value.

Whether you are a first time or an experienced Investor, building an investment portfolio can be complicated and time-consuming. It is important for you to have a well-informed strategy to build your investment portfolio correctly and avoid an unnecessarily costly exercise.

Investment properties have many benefits when building long-term wealth. If you take the time and select your investment properties well, property can deliver good returns for long-term investors.

We can help you determine the strength of your borrowing capacity by completing a pre-assessment that evaluates your current financial circumstances and the right type of loan to suit your property investment strategy.


Refinancing your home loan (or investment loan or SMSF loan) to take advantage of a lower interest rate might save you money. Before you switch, make sure the benefits outweigh the costs. It is recommended to review your home loan regularly (at least every two years) to determine what competitive rate are available on the market and what equity you have built in your property.

We can offer a free home loan review and provide product comparison to validate if it is in your best interest to refinance. Caution must be used when refinancing so you are not increasing the term of the initial loan thus leading to higher interest being paid over the term.

To quickly compare refinancing benefits please use the RJS Refinancing Calculator.