A Simpler Home Solution and possibilities for your property dream.
Ribbon Finance provides comprehensive lending and loan management across Australia.
More than a broker. Your partner through every stage of the loan lifecycle.
Ribbon Finance Mortgage Management is a leading Australian mortgage management company, providing comprehensive lending and loan management solutions to clients across the nation. Based in Sydney and Melbourne, we work with a network of trusted funders, lenders, and financial partners to offer flexible and competitive mortgage products tailored to each client’s unique needs.
Unlike traditional mortgage brokers, we not only assist clients in obtaining finance but also manage their loans throughout the entire lifecycle — from application and settlement to ongoing account management and customer support.
Services
Residential Finance
住宅贷款
- First Home Buyer Loans首次购房贷款
- Refinancing Solutions转贷方案
- Investment Property Loans投资房贷款
- Construction Loans建筑贷款
- Development Finance开发贷款
Commercial & Business Finance
商业及企业融资
- Commercial Property Loans商业物业贷款
- Business & Working Capital企业及营运资金贷款
- Low Doc / Alt Doc Lending简化材料 / 灵活收入贷款
- Overseas Income Scenarios海外收入贷款方案
- SMSF Lending自营养老金贷款 (SMSF)
Asset & Vehicle Finance
资产及车辆融资
- Personal Vehicle Finance个人车辆贷款
- Commercial Fleet Finance商业车辆融资
- Business Vehicle Loans企业车辆贷款
- Equipment & Asset Finance设备及资产融资
Who We Serve
Australian Families & Home Buyers
澳洲家庭及住宅贷款客户
First home buyers, upgrader families, investors and refinancing clients.
首次购房者、改善型家庭、房产投资者及再融资客户。
Business Owners & Self-Employed Clients
企业主及自雇人士
Business owners, sole traders, company directors and clients with complex income structures.
服务企业主、个体经营者、公司董事及收入结构复杂客户。
Property Investors & Developers
房产投资人与开发商
Property investors, developers and clients using trust or company structures.
服务房产投资者、地产开发商及信托/公司架构客户。
Brokers & Professional Partners
合作Broker 与专业顾问
Supporting mortgage brokers, accountants, financial advisers and professional referral partners.
支持贷款经纪、会计师、理财顾问及专业合作伙伴。
Why Choose Ribbon Finance
Independent Credit Team
独立审批逻辑与评估体系
Structured Lending Strategy
根据客户目标设计贷款结构
Strong Compliance Framework
严格合规与风险管理
Multi-Lender Access
银行 + 非银行多元资金渠道
Transparent Communication
流程清晰、及时更新
Structured & Transparent Workflow
A clear and structured lending process ensuring efficient communication, professional assessment, and smooth settlement throughout your financing journey.
Pre-Assessment & Submission
前期评估与申请提交
- Discuss scenario with your BDM
- Order Upfront Valuation
- Fill Valuation application form — Email to valuation@ribbonfinance.com.au
- Submit case to submission@ribbonfinance.com.au and CC your BDM
Credit Assessment
信贷审批评估
- Receive confirmation email from RFMM to confirm receipt of your application within 1 business day
- Receive OS from assessor within 2 business days
Re-Submission
资料更新与重新递交
- Return OS to RFMM
- Please note the time of your returning OS is the key for your application processing time
- RFMM internal check after receiving your OS within 2 business days
- Please note the key point is returning your OS in one email with full OS
Senior Review & Approval
终审评估与审批
- Issue conditional approval
- Receive Broker OS and checking
- Issue formal approval
Settlement
贷款交割
- Instruct Solicitor to issue the contract
- Solicitor issues loan doc to customer
- Customer returns loan doc
- Return OS to settlement@ribbonfinance.com.au (if applicable)
Post-Settlement Support
贷后客户支持
- Set up internet banking, interest review, discharge, cash out, change repayment method, product switch
- Email to customerservice@ribbonfinance.com.au
- Call 1300 664 858
Guardians of your loan lifecycle.
Mortgage management is not a set-and-forget. From the moment your loan is drawn down, our concierge team monitors, reviews, and optimises — ensuring your lending remains sharp, compliant, and aligned with your evolving goals.
Consultation & Strategy
We assess your financial position, goals, and borrowing capacity to architect the right lending structure.
Application & Approval
Our team manages the full application — documentation, lender negotiation, and conditional approval.
Settlement
We coordinate with conveyancers, lenders, and agents to ensure a seamless, on-time settlement.
Ongoing Management
Annual rate reviews, repayment optimisation, and proactive restructuring as your life and the market evolve.
Schedule your private lending consultation.
Select a time that suits you. One of our mortgage advisors will confirm your appointment and prepare a tailored lending assessment.
Let’s architect your
next lending move.
Speak directly with a Ribbon Finance mortgage advisor. We’re available Monday to Friday, 10:00 to 18:00 AEST.
918 Whitehorse Road, Box Hill VIC 3128
Suite 109/250 McCullough St, Sunnybank QLD 4109
Suite 903, 1-5 Railway Street, Chatswood NSW 2067