Fei Xie
Mortgage Adviser · Numbers, refinance and channelling structures
Husband, father, gamer — in that order. Majored in IT but ended up being a lender for quite some time at the bank. So sensitive to numbers it has become an obsession.
The team
Four advisers. Real experience.
Experience across home, investment, construction, business and commercial lending, with direct access to the adviser handling your application.
Our advisers bring different strengths across residential lending, construction, property development, business finance and commercial property.
That mix lets us match the application to someone who understands the transaction, while keeping one clear point of contact.
We work for our customers, not for the banks.
We understand not everyone fits in a box — nor should they. Our clients have plans and dreams, and we’re here to help them achieve their goals.
Meet your mortgage advisers
Meet your advisers
Riona Rameka
Mortgage Adviser · Construction & complex property development
A specialist lender with over 15 years of banking & finance experience. Whether it’s a personal loan, home loan, housing under construction or complex property development — Riona can help.
Ray Lei
Mortgage Adviser · Banking background, balance sheets
Serial banker, former Bank Branch Manager. Can read some loan docs and a balance sheet. Sincere, friendly, curious and a family guy.
Lyn Goh
Mortgage Adviser · 19 years banking · commercial & multilingual
A senior banking professional with 19 years of experience at one of the major banks. Extensive expertise in residential, business, and commercial mortgage solutions.
Choosing who to work with
Start with the transaction, then the person.
Choose an adviser whose experience fits what you are trying to do. A first home, staged construction loan, property development and commercial purchase each create different lender questions. Tell us the transaction first and we will point you to the adviser best placed to handle it.
Each adviser page links to the disclosure covering their services, lender panel, commissions, possible fees, conflicts and complaints process. Read that disclosure before proceeding and ask about anything that is unclear.
You should also know who will manage the application after submission. Homelend keeps a named adviser as your point of contact through lender questions and settlement. If your plans change, tell that adviser early so the recommendation and application can be reviewed.