Every Loan
Made Simple
Get your
Home
Car
Business
- WE ARE RIGHT RATE
G'day!
I'm Ryan Oostendorp.
Your single point of contact.
Everything. Same person across decades. Your single point of contact for brokering home loans, investment property, business finance, equipment, refinancing. That’s the Right Rate difference.
Most brokers: one loan, then you never hear from them.
Me: your financial broker for life.
00
Lenders
at our reach
(and growing)
Most brokers have 20-30. More options means better matches for your situation.
00
Years
Former Elite
Sports Agent
Nearly a decade negotiating contracts across 20+ countries for professional athletes, boxers, and coaches - I know how to structure deals and fight for your outcome.
Work Your Way
Fully digital, face-to-face, or hybrid. Your choice.
Available When You Are
9am - 9pm Weekdays. Weekends by appointment.
20+ Years Tech Expertise
Our systems work for you, not against you.
Start Your Lifetime Relationship
Begin with a 15 minute strategy call. No obligation. No lock-in.
Important Information
This information is general in nature and does not consider your personal circumstances. All finance applications are subject to lender assessment, credit approval, and lending criteria. You should seek personal financial, tax, and legal advice before making any financing decisions.
- WHY A LIFETIME BROKER?
The traditional broker model is broken:
- You contact a broker...
- Get your loan...
- Never hear from them again...
- Need finance again in 3 years...
- Start from scratch with a new broker...
- Repeat forever.
Here is how I do things differently:
- You contact me once.
- I learn your complete financial picture.
- You get your loan.
- I actively monitor rates and opportunities.
- I reach out when you could save money.
- You call me for ANY finance decision across your life.
- I already know your situation.
- Fast, strategic assistance.
- This relationship continues for decades.
Let’s explore some real-world scenarios:
If The Rates Drop
You're busy with work. I'm monitoring your loan. I reach out showing new opportunities. One call, you save tens of thousands.
Investment Property Decision
Should you pay down your home loan first? You call me. I already know your income, goals, risk tolerance. Strategic targets made in one conversation.
Business Vehicle Needed
Instead of dealership finance, call me. I structure it so it doesn't hurt your residential borrowing capacity.
Second Investment Property
Five years later, same person who did your first loan. Your info is already on file. Move fast while other buyers are still gathering documents.
This is how I worked with elite athletes – trusted across their entire career. Same approach for your finance.
Can you leave anytime? Absolutely. No contracts, no lock-in, no obligations.
But the value compounds over time – the longer we work together, the better I can assist you.
- WHAT DO YOU GET?
Direct Access to the Principal
You work with me from first call to settlement. No handoffs to loan processors. No
being passed between departments. My mobile number is your direct line—now and in 5 years.
55+ Lenders vs. Industry Average of 20-30
Not all lenders are equal. Some specialise in first-home buyers, others in investors.
Some accept self-employed easily, others don’t. With 55+, I find lenders who actually specialise in your scenario—not force you into whatever lenders I have available.
Genuine Comparisons
Across major banks, regionals, credit unions, specialist lenders
Access to niche lenders
Most brokers don’t have relationships with lenders that cater for unique circumstances you may have. We do.
Right Lender, First Time
Not wasting months with the wrong one
Works for your type of Income
PAYG income or complex self employed structures
Strategic Application Positioning
When you’ve negotiated multi-million dollar contracts at the highest levels of international sport, you learn that presentation matters. Your application is positioned to highlight strengths, address concerns proactively, and maximise approval chances – whether you’re a straightforward PAYG borrower or have complex structures.
Availability When You Need It
9am-9pm weekdays + weekends by appointment. You work 9-5. So do banks. I don’t. Video calls at 8pm, face-to-face Saturday morning, phone call during lunch – whatever works for your schedule.
- FINANCE I HANDLE
Residential
- • First home
- • Upgrading
- • Refinancing
- • Equity access
- • Downsizing Investment
- • Property portfolios
- • First investment
- • Commercial property
- • Development finance
Business
- • Loans & working capital
- • Equipment finance
- • Commercial property
- • Expansion
- • Practice finance (medical, dental, legal)
Assets
- • Vehicles (personal & business)
- • Equipment
- • Plant & machinery
- • Technology & fit-out
Contact me when you’re even just thinking about any financial decision.
One conversation can save you tens of thousands.
One conversation can help you avoid a decision that limits your options later.
- IS THIS RIGHT FOR YOU?
Yes if you:
✓ Want a financial broker for life.
✓ Value strategic thinking over form-filling.
✓ Want access to 55+ lenders.
✓ Have PAYG income.
✓ Have non-standard income.
✓ Need finance beyond just home loans.
✓ Were told “it’s too complicated”.
✓ Were told “we can’t help”.
✓ Want direct principal access.
✓ Want no handoffs or processors.
✓ Need access outside 9-5 business hours.
- WHO AM I?
Credentials:
55+ Lender Panel (residential, commercial, business, asset finance)
Member:
Finance Brokers Association of Australasia (FBAA)
Registered:
Australian Financial Complaints Authority (AFCA)
Dual Diplomas:
Management & Technology
Before stepping in to being your lifetime broker, I was an Elite Sports Agent (Nearly a Decade).
I represented professional footballers, boxers, and coaches at the highest levels of
international sport. Negotiated contracts across 20+ countries with championship clubs throughout Europe, Asia, and North America. Managed 24 athletes simultaneously across multiple continents.
Crucially…
I represented athletes across their entire careers, not just one contract – the exact lifetime relationship approach I bring to finance.
Digital Transformation Consultant (20+ Years)
Designed enterprise systems for major financial institutions, government departments, and global tech firms. Led $Million+ technology projects. Built AI-powered workflows and automation solutions. Deep expertise in how financial systems work and how to navigate them efficiently.
What This Combination Means for You?
✓ Strategic deal structuring and negotiation experience applied to your applications
✓ Technology expertise that makes systems work efficiently in the background
✓ Understanding of how to be a trusted broker across decades, not just one transaction.
✓ Direct principal access – you work with me, period.
The real question: Do you want a broker for one transaction, or a trusted broker
for life?
- WHAT I CAN (AND CAN'T) PROMISE
I Can Promise
-
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Complete work flexibility (digital, face-to-face, or hybrid).
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Strategic thinking from elite international negotiation experience.
-
Direct access to me - no departments, handoffs, or processors.
-
Honest guidance throughout your journey, even when the answer isn't what you want.
-
Same rigorous approach whether you're borrowing $50K or $5M.
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Completely customised approach based on your situation and preferences.
-
A lifetime relationship - I'm here for every financial decision you make, not just this transaction.
-
Access to 55+ lenders across all finance types.
-
Complete work flexibility (digital, face-to-face, or hybrid).
-
Strategic thinking from elite international negotiation experience.
-
Direct access to me - no departments, handoffs, or processors.
-
Honest guidance throughout your journey, even when the answer isn't what you want.
-
Same rigorous approach whether you're borrowing $50K or $5M.
-
Completely customised approach based on your situation and preferences.
-
A lifetime relationship - I'm here for every financial decision you make, not just this transaction.
-
Access to 55+ lenders across all finance types.
-
Complete work flexibility (digital, face-to-face, or hybrid).
-
Strategic thinking from elite international negotiation experience.
-
Direct access to me - no departments, handoffs, or processors.
-
Honest guidance throughout your journey, even when the answer isn't what you want.
-
Same rigorous approach whether you're borrowing $50K or $5M.
-
Completely customised approach based on your situation and preferences.
-
A lifetime relationship - I'm here for every financial decision you make, not just this transaction.
I can’t control lender decisions. I can control lender selection, preparation, positioning, execution – and I can be your trusted broker for life.
I can’t promise your approval, rate, or timeline (lenders control these), absolute cheapest rate in the market (rates change daily) or that every scenario will be approved. But I am here to navigate these with you.
- YOUR 15 MINUTE STRATEGY CALL
Not a sales pitch. An honest assessment of what’s possible.
You’ll learn:
➤ Whether your finance need is achievable based on your circumstances (honest
answer)
➤ Which lenders from our 55+ panel might say yes – and why those specific ones
➤ What documentation lenders will require for your situation
➤ Realistic timeline for your scenario
➤ How we’d customise our approach to your preferences (digital/face-to-face/hybrid)
➤ How a lifetime relationship works (proactive monitoring, strategic assistance across all finance types, faster future transactions)
➤ Your long-term finance strategy, not just this transaction
Straightforward Scenario
A
Identify 3-5 competitive lender options, explain why each suits your situation, move to application if you're ready.
Complex Scenario
B
Map which specialist lenders can work with your situation, what strategic positioning will be required, realistic path forward.
Strategic question
C
Even if you're not ready to proceed now, we discuss how to position yourself for future finance needs.
No obligation. No pressure. No lock-in. Just honest answers about what’s possible – and potentially the start of a decades-long relationship.
If I’m not the right fit for your situation, I’ll tell you that too and point you in the right direction.
- START YOUR LIFETIME RELATIONSHIP
In your 15-minute call, you’ll know if your finance need is achievable, which lenders from our 55+ panel suit your scenario, and how we’d work together across this transaction and future ones.
Call
Now
direct to Ryan.
-
Available 9am to 9pm (Sydney Time) weekdays and most weekends.
-
+61 4 8888 3331
Schedule a
Call
for later.
-
Book your 15 minute strategy call.
-
Available 9am to 9pm (Sydney Time) weekdays.
-
Weekends available on request.
Send an
Email
with your questions.
-
Available 24/7. Fast turn around with answers.
-
Your email will go to Ryan directly, no filter or departments.
Save this number – it’s your direct line for every future finance decision
No obligation. No pressure. No lock-in.
Just honest answers about what’s possible for your situation.
- FREQUENTLY ASKED QUESTIONS
"What if I only need one loan?"
That's fine. There's no obligation to use me again. But most clients find value in having one person who knows their complete financial picture when they need a car loan, equipment finance, or decide to buy an investment property years later. The relationship is always your choice.
"How is this different from using my bank?"
Your bank offers one lender - themselves. I offer 55+. Your bank's mortgage specialist handles 50+ clients and follows a script. You work directly with me and get strategic assistance customised to your situation. Your bank is open 9-5. I'm available 9am-9pm + weekends.
"What if I want to use a different broker later?"
You can, anytime. No contracts, no lock-in. But the value compounds over time - the longer we work together, the better I understand your situation and can provide strategic assistance. Most clients who start with me stay because the relationship gets more valuable with each transaction.
"I have complex income (self-employed, trust, overseas). Can you help?"
Yes. This is where 55+ lenders makes the biggest difference. I know exactly which lenders from our panel accept your income type and how to present your application to maximise approval chances.
"Do you charge fees?"
I'm paid by lenders when your loan settles (commission). There's no cost to you for my service. In some complex scenarios, there may be optional fees for specialist work, but I'll always discuss this upfront.
"What if you're too busy to help me in 5 years?"
I'm building this business for the long term, which means maintaining capacity for my existing clients. Your call will always be answered. That's the commitment of a lifetime broker relationship.
- Contact
Reach out and get started on your journey.
We'd love to learn more about you and what we can achieve together.
Fill out the form below, use any of the quick links above or reach out to us at hello@rightrate.com.au
- MANDATORY DISCLOSURES
This website provides general information only and does not consider your personal circumstances. All finance applications are subject to lender assessment, credit approval, and lending criteria. Outcomes vary based on individual circumstances. You should seek personal financial, tax, and legal advice before
making any financing decisions.
Right Rate Pty Ltd
ABN: 90 689 971 686
Credit Representative Number: 574454.
Credit Representative of Outsource Financial: Australian Credit Licence #384324
Principal: Ryan Oostendorp.
Service Model: Lifetime financial broker relationship across all finance types.
Lender Panel: 55+ lenders across residential, commercial, business, and asset finance.
Approach: Completely customised – digital, face-to-face, or hybrid based on your preferences.
Memberships: Finance Brokers Association of Australasia (FBAA).
Registered: Australian Financial Complaints Authority (AFCA).
Finance Types: Residential mortgages, investment property, business loans, commercial property, equipment finance, asset finance, personal loans, refinancing, debt consolidation.
We work with a panel of 55+ specialist lenders and may receive commission from lenders. We do not compare all lenders or products in the market.
Complaints Process:
Contact Ryan first at hello@rightrate.com.au or +61 4 8888 3331.
If not satisfied, contact Australian Financial Complaints Authority (AFCA) on 1800 931 678 or online at www.afca.org.au
- PRIVACY NOTICE
By contacting us, you consent to Right Rate Pty Ltd collecting, using, and disclosing your personal information in accordance with our Privacy Policy and Credit Guide. We may share your information with lenders, credit reporting bodies, and other third parties as necessary to assess and process your application.
© 2026 Right Rate Pty. Ltd.
ABN: 90 689 971 686
Credit Representative Number: 574454.
Credit Representative of Outsource Financial: ACL #384324.
Principal: Ryan Oostendorp.
Get in touch with me
Please fill out the form below to start chatting with me directly.