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Rated 5 from 2 Reviews

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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!

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 get Started?

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