KIJ Rung Ruang Financial - Mortgage Broker in Melbourne, VIC and nation-wide

Building Your Future in Australia With the Right Loan

How can we help you today?

Rated 5 from 2 Reviews

Home Loans

First Home Buyers

We help you understand your eligible grants and discounts to get into your first home
Investment Loans

Refinancing

Whether you're coming off a fixed rate or paying a variable rate, chances are we can help
Refinancing

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you

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Our Services

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Find out more about Home Loans

Investment Loans

We have access to hundreds of Investment Loan options, let us help you with your loan
Find out more about Investment Loans

Refinancing

Whether you're coming off a fixed rate period or currently paying a variable rate, chances are there are a range of better loan options
Find out more about Refinancing

First Home Buyers

We can help you understand what grants and discounts you're eligible for and get you into your first home
Find out more about First Home Buyers

Construction Loans

Turn your building plans into a reality with a construction loan
Find out more about Construction Loans

Commercial Loans

Time to grow your business? Learn how a Commercial Loan can help fund your business growth
Find out more about Commercial Loans

Business Loans

Time to grow your business? We can help you grow with a Business Loan
Find out more about Business Loans

Equipment Finance

Need to buy a vehicle or equipment? We can help with Equipment Finance
Find out more about Equipment Finance

Reviews for KIJ Rung Ruang Financial

CW

Chee Wong

I’ve known Tony Phewmau for some time and have had the opportunity to see how he approaches his work. Tony brings a genuine commitment to helping people. He’s thoughtful in how he explains and is supportive throughout what can often be a stressful process. His professionalism, integrity, and attention to detail make him someone I believe clients can trust. I’m confident Tony will continue to grow and succeed as a mortgage broker

TW

Ting Wu

I've known Tony for some time, and his professionalism, integrity, and genuine commitment to helping others succeed make him an outstanding mortgage broker. Even in the early stages of his business, Tony demonstrates a strong understanding of the mortgage process and always puts the needs of his clients first. I have no doubt he’ll build a trusted reputation in the industry. Highly recommended!

Not sure where to start?

Book a chat with a Mortgage Broker at KIJ Rung Ruang Financial and we can help point you in the right direction.

KIJ Rung Ruang Financial

About KIJ Rung Ruang Financial

KIJ Rung Ruang Financial is a locally operated mortgage broking business based in Melbourne, proudly run by a single dedicated broker. The business is focused on helping individuals and families access the right home loans, investment loans, and refinancing solutions by comparing options from a wide panel of banks and lenders across Australia.

Clients receive personalised service and clear guidance through every stage of the lending process, from understanding borrowing capacity and interest rates to securing pre-approval. Whether you're buying your first home or exploring new loan options, KIJ Rung Ruang Financial offers straightforward, reliable support tailored to your needs.

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Frequently Asked Questions

What happens after my loan is approved?

Once your loan is approved, I continue to support you through settlement and beyond. I will help coordinate with your conveyancer or solicitor, ensure all documents are completed properly and keep you informed along the way. I also offer ongoing reviews to make sure your loan remains competitive in the future.

Can you still help if I have a low deposit or limited savings?

Yes. There are several lenders that offer options for low deposit borrowers, including those with access to government schemes and guarantor loans. I will work with you to understand your situation and explore every available option to help you move forward.

Can you help me get pre approval before I start looking at properties?

Yes. Getting pre approval is a smart first step before you start house hunting. It gives you a clear idea of your borrowing capacity and shows sellers that you are a serious buyer. I will assess your financial position and help you get pre approved so you can enter the market with confidence.

Do you help with more than just home loans?

Definitely. While home loans are a large part of what I do, I can also help with investment loans, refinancing, car loans, personal loans and even construction loans. If you are looking to borrow for any purpose, I can assist in finding the right product for your situation.

How much deposit do I need to buy my first home?

It depends on the lender and your financial situation, but many first home buyers can get started with as little as 5 percent deposit. I can help you understand the pros and cons of different deposit sizes, whether lenders mortgage insurance applies, and what your options are with your current savings.

How do you choose which lender to recommend?

I assess your financial situation, goals, and preferences, then compare hundreds of loan products from a panel of trusted lenders. I consider factors like interest rates, loan features, fees and approval criteria to recommend the option that offers the best overall value for your needs.

Ready to speak to an expert?

Book a chat with a Mortgage Broker at KIJ Rung Ruang Financial today.