Ramesh kandel

Mortgage Broker

Rayz Financial Services

5.0 ( 3 Reviews)

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About Ramesh kandel

I'm Ramesh Kandel, a trusted mortgage broker in Canberra and Director of Rayz Financial Services. With a strong track record of helping clients across Australia, I specialize in first home buyer loans, Medico home loans, home loans for nurses and doctors, refinancing, and debt consolidation.

Whether you're buying your first home, upgrading, or restructuring your finances, I provide tailored loan solutions backed by industry expertise, market insight, and a client-first approach. I work closely with major banks and lenders to secure the most competitive deals for my clients.

As a home loan expert for healthcare professionals, I understand the unique income structures and policy benefits available to nurses, doctors, and medical specialists—including LMI waivers and high LVR options.

At Rayz Financial Services, we’re committed to making your home loan journey simple, stress-free, and successful. Let's turn your financial goals into reality.

Based in Canberra | Servicing clients Australia-wide

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Reviews for Ramesh kandel

5.0

3 Reviews

Saurav Karmacharya

We had a really good experience with Rayz financial services. Our situation was quite complicated, but they guided us through every step with patience and expertise. Specially Mr Ramesh worked hard to secure us a great deal, and their …

Sanju Sharma

Exceptional service from start to finish! The team with Ramesh at Rayz Financial Services took the time to understand my financial situation and provided tailored mortgage solutions that fit my goals. …

bidhan acharya

Absolutely fantastic experience! The staff was incredibly friendly, professional, and knowledgeable. A special thanks to Ramesh Kandel for going above and beyond—his attention to detail and genuine care truly made a difference. The entire process was smooth, efficient, and exceeded my expectations. Highly recommended.