Make the loan process simple, accessible, and trustworthy.
From straightforward residential home loans to complex commercial funding, we cover the full spectrum of Australian lending.
Home Loan Solutions for Every Journey
We provide extensive assistance for all your home loan and financing requirements. Regardless of your situation, our skilled team is dedicated to identifying the right options for you.
Home Loans
A well-structured loan can significantly impact your mortgage’s overall cost. With access to a diverse range of lenders, we will assist you in evaluating and selecting a home loan that meets your criteria.
Learn MoreFirst Home Buyers
Selecting a home is a significant choice, and obtaining the right mortgage is equally essential. With connections to more than 50 lenders, our team can assist you in securing an excellent offer for your first residence.
Learn MoreRefinance
We provide clients with competitive rates and a diverse selection of market products. You might be missing out on significant savings each year by not refinancing, so reach out to us today.
Learn MoreInvesting
Numerous Australians are eager to advance by investing in property. With a variety of products and lenders available, now presents a wonderful opportunity to strategically grow your investment portfolio.
Learn MorePre Approval
Obtaining pre-approval allows you to know your borrowing capacity before making offers. We will assist you through the steps, prepare your application, and collaborate with the lender to obtain approval.
Learn MorePersonal Loans
Whether managing debt, financing a significant purchase, or handling major expenses, a personal loan can assist in spreading the cost into manageable payments with a consistent repayment plan.
Learn MoreRegistered Nurse
Lenders Mortgage Insurance (LMI) is a one-off premium that lenders charge borrowers who have a deposit below 20% of the property value. LMI protects the lender not you and can cost…
Learn MoreCommercial Loans
Commercial financing is seldom one-size-fits-all — the ideal choice hinges on your business’s structure, cash flow, financial standing, and the particular asset being financed.
Learn MoreConstruction Loans
The construction process involves a unique lending approach, including progress payments at various milestones. We assist in securing approvals and liaising with your lender to ensure funding aligns with your timeline.
Learn MoreBusiness Lending
Securing finance can support your cash flow management, enable business expansion, or facilitate new ventures. We evaluate your requirements and suggest solutions that fit your operational model.
Learn MoreVehicle Finance
Whether acquiring a vehicle for personal use or business, securing appropriate finance enables you to access competitive rates, lower overall costs, and maintain manageable repayment terms.
Learn MoreSMSF Finance
Purchasing property via a self-managed super fund comes with specific regulations and a unique loan framework. We’ll examine SMSF lending possibilities and guide you through the entire process.
Learn MoreAsset Finance
Acquire essential equipment without depleting cash reserves — from machinery and technology to tools and fitouts. We help select a structure that aligns with your business needs.
Learn MoreDocuments
What You Need to Prepare
We understand the unique challenges of buying property in Australia. From navigating loan requirements to building a strong application, we've helped hundreds of families just like yours.
Led by our Principal Mortgage Broker, Rivo Lending provides personalised, award-winning service across all of Australia — ensuring you understand the process at every stage.
Proof of Income & Employment
Recent payslips, employment contract, or tax returns (for self-employed applicants) to verify your earning capacity.
Identification & Personal Details
Valid ID (passport/driver’s license) and basic personal information required for loan assessment.
Credit History & Existing Liabilities
Details of current loans, credit cards, and your credit score to assess your borrowing capacity.
Savings & Deposit Evidence
Bank statements showing your savings history and ability to provide a deposit (typically 5–20%).