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Ray Khalil

Ray Khalil Mortgage Broker in Wangi Wangi

Ray is a Mortgage Broker with over 17 years experience.
Ray is excited to help First Home Buyers understand their home loan options and provide guidance and advice about the the Home buying process. He has excellent knowledge of the ever changing schemes and concessions available to First Home Buyers.

Rays always available to assist those that already own a home to ensure that their home loan is as competitive either by negotiating a better rate or assisting you to refinance to another lender.

Ray who is a car enthusiast himself also has access to a large panel of lenders offering car finance at excellent rates.

“I listen to my clients’ needs and really understand what their ultimate goals and objectives are,” he says. “I always aim to exceed their expectations by going the extra mile and providing a fast and effective service.”

Ray is mobile throughout Wangi Wangi and Lake Macquarie
  • Call Us Mortgage Choice Wangi Wangi
  • Office - 0410 624 370
  • Open Hours Mortgage Choice Wangi Wangi
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment


Offering clear advice and an exceptional level of support and guidance throughout the borrowing process, Ray has the experience and expertise to help you attain a positive outcome.

  • Home loans
  • Investment loans
  • Refinance loans
  • Construction loans
  • Renovation finance
  • Equity release
  • Deposit Bonds
  • Bridging loans
  • Reverse mortgages (Referred to third party)
  • Personal Loans
  • Car and asset finance
  • Business equipment finance
  • Commercial property finance
  • Business loans
  • Insurance (third party referrals)
  • SMSF loans
  • Loan protection insurance
  • Building/construction loans

Other areas I service

Based in Wangi Wangi, Ray operates a mobile broking service in surrounding area such as Morisset, Toronto, Acadia Vale, Dora Creek, Bonnells Bay as well as Sydney. As part of his premium service, Ray offers flexible working hours and is contactable six days a week 

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Client reviews

Ray was able to communicate with us in a clear and expertly manner. He is very professional and was very reassuring is a stressful situation. Ray was such a great broker to deal with and I would recommend him to all my family and friends. Thanks Ray.

20 July 2022  

Ray was knowledgeable and friendly. He gave the right advice and found the best loan for us. Highly recommend.

09 June 2022  

Ray is a fantastic Morgage broker. He has always looked after us and would highly recommend him.

28 March 2022  

As a veteran of the brokering industry, Ray was extremely knowledgeable and helpful. He was able to communicate at my level so that I could understand the whole process easily and he found an excellent product that was perfect for my situation. I would highly recommend his service to anyone seeking a high quality loan optimized for their financial circumstances.

20 December 2021  

Diligent and project.

01 September 2021  

Ray our adviser went above and beyond what was asked. We honestly thought that we would never own our own home. Ray made it happen it wasn’t easy for him but he did it. Great rate and very affordable

08 December 2020  

I could not recommend Raymond Khalil enough. I had a difficult experience dealing with the bank I was applying with and Ray was amazing in resolving our issues with the utmost excellence and professionalism.

26 July 2020  

Ray went above and beyound for us. He made sure that everything went thru as quick as possible even with so many obstacles with the slowness of the banks during covid. Ray is the only broker our family trusts.Ray's like a family member to us. Thx Ray

29 June 2020  

Ray is the best adviser we have ever come across. The guy goes above and beyond and that's why we love him and recommend him to everyone.

10 March 2020  

Ray was so helpful. His advice was invaluable and he saved us money by refinancing our home loan. We will recommend him to all our family and friends. Thanks Ray - you are a legend!

02 March 2020  

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