Your loan is more than a rate.
Finding the right home loan is about more than comparing interest rates. It's about understanding your options, choosing the right loan structure and finding a solution that suits your circumstances.
50+ lenders to explore
One dedicated point of contact
Support beyond settlement
EXPLORE THE NUMBERS
A clearer picture of what’s possible.
Explore different scenarios before you take the next step. These tools are a starting point for a conversation, not a lending decision.
Borrowing capacity
Adjust the figures to explore your scenario.
Indicative borrowing capacity
$584,125
Based on the monthly surplus you entered.
- Available monthly repayment
- $4,700
- Assessment rate
- 9.00% p.a.
- Indicative loan term
- 30 years
A LITTLE CLARITY. A LOT OF POSSIBILITY.
Wherever you are on your property journey.
01
First Home
Taking your first step into the property market can feel overwhelming. I'll help you understand your borrowing options, upfront costs, deposit requirements and the steps involved in buying your first home.
02
Next Home
Outgrowing your current home or planning your next move? I'll help you explore your borrowing options, understand how your existing property fits into the picture and plan your next purchase.
03
Refinance
Your current home loan might no longer suit your circumstances. I'll help you review your existing loan and compare suitable alternatives, looking beyond the interest rate to fees, features and the overall cost.
04
Investment
Planning to purchase an investment property? I'll help you understand your borrowing options, compare suitable loan structures and consider how the finance fits into your broader property plans.
LESS GUESSWORK. MORE CONFIDENCE.
We make the complex feel manageable.
01 We listen first
We get to know your goals, your finances and what matters to you. No assumptions, no one-size-fits-all answers.
02 We explain your options
We compare suitable loans across our lender panel and walk you through the rates, features, fees and trade-offs.
03 We stay by your side
From application to settlement, we keep things moving. And as life changes, ongoing reviews help keep your loan in step.
THE PERSON BEHIND YOUR LOAN
Good finance starts with understanding you.
I believe you should feel comfortable asking questions, understand the choices in front of you and know someone is looking after the details.
At Riconic Finance, the focus is personal: practical guidance, honest conversations and support from the first chat to your next loan review.
MORTGAGE BROKER
Nicholas Talerico
When you work with me, you deal directly with me throughout your home loan journey.
I'll take the time to explain your options, answer your questions and help you understand what you're committing to.
From our first conversation and initial research through to your application, settlement and future reviews, you'll have someone you can contact when you need guidance.
And once your loan settles, the conversation doesn't end there.
A LITTLE KNOWLEDGE GOES A LONG WAY
Home loan essentials, in plain English.
LOAN NOTES
What makes up your deposit?
Your deposit is only part of the picture. Allow for stamp duty where applicable, conveyancing, inspections and moving costs. Eligibility for assistance varies by state and personal circumstances.
LOAN NOTES
Rate versus comparison rate
The interest rate is the cost of borrowing. A comparison rate includes certain fees using standard assumptions. Compare the total costs and features for your own loan amount and term.
LOAN NOTES
Is it time for a loan review?
A new job, a growing family or the end of a fixed rate can be a good prompt. Look beyond the rate: switching costs, loan term and features all matter.
General information only. It doesn’t take your personal circumstances into account and is not financial, tax or legal advice.
Practical guides for your next step.
VICTORIAN BUYERS
Buying a home in Victoria
Purchase costs, pre-approval, auctions and the checks to make before you commit.
Read the guide
GETTING READY
What to prepare for a home loan
A practical document checklist and what to expect from your first conversation with Nicholas.
Read the guide
UNDERSTAND YOUR OPTIONS
Home loan features, in plain English
Offset versus redraw, fixed versus variable, and how repayment types affect your loan.
Read the guide
PERSONAL SERVICE, IN THEIR WORDS
Every journey has a story.
“Couldn't be happier with the service from Riconic Finance! Made the whole home loan process so easy and took the stress out of buying our first home. Always quick to respond, happy to answer any questions and genuinely had our best interests at heart. Highly recommend!”
First-Home Buyer
“Fantastic to deal with. Made refinancing our home loan a breeze and helped us secure a much better deal. Great communication, honest advice and nothing was ever too much trouble. Wouldn't hesitate to recommend Riconic Finance to anyone looking for a mortgage broker.”
Refinancing Client
YOUR QUESTIONS, WELCOME.
A clearer path starts here.
What does a mortgage broker do?
How much deposit do I need?
Does it cost to use your service?
Can you help me refinance?
What happens after settlement?
LET’S TALK
Your next chapter starts with a conversation.
Tell us a little about your plans. We’ll help you understand your options and what comes next. No pressure, just a helpful place to start.
Please don’t include account numbers or sensitive financial documents.