MORTGAGE & FINANCE ADVICE · MELBOURNE & GEELONG

Your home.
Your people.
Your next chapter.

Trusted advice since 2011.

Foster Ramsay Finance is a mortgage broker for Melbourne’s east and Geelong. Whether you’re buying, moving, reviewing your loan or investing, we help you work through the next step.

Choose a time to talk Or call 0448 010 999

You do not need to be ready to apply. Bring your questions.

Clear advice.
Considered decisions.
A relationship for the long run.

Trusted advice since 2011Meet Chris and the team Five-star client experiencesRead clients’ own words Ringwood and GeelongTwo offices. One personal approach.Industry recognitionExplore our award record

Where are you in your plans?

Start wherever feels right. You can explore before you speak with us.

I’m starting to researchUnderstand the basics, at your own pace.I’m planning my next moveSee what happens when, and why.I have a property or deadlinePrepare for a conversation about your next step.I want to review my loanExplore whether a change is worth considering.

START WITH YOUR SITUATION

What brings you here today?

Choose the decision on your mind. We’ll take you to relevant guidance and a clear next step.

Buying our first home

Deposit, borrowing, government support and the steps before an offer.

Explore first-home support

Making room for family

Plan sale timing, purchase costs and borrowing around the move.

Plan the move

Reviewing our home loan

Understand your current loan, costs and whether a change is worth exploring.

Review the options

Buying an investment

Consider repayments, equity and lending alongside your property plan.

Explore investment finance

Self-employed plans

Bring business income and home plans into one finance conversation.

Prepare the picture

Business finance

Explore asset, commercial or cash-flow finance for your next step.

Talk business finance

PEOPLE FIRST · CLIENT EXPERIENCES

Feel supported.
Understand your next step.

A home decision is personal. Hear how clients describe the support along the way.

J & G★★★★★

FIRST HOME

“He guided us through every stage, and no question was ever too big or too small.”

Ringwood · Google review excerpt

Read client reviews

G★★★★★

BUYING A HOME

“I received continual support & guidance along with clear & thorough communication throughout the process.”

Ringwood · Google review excerpt

Read client reviews

B & C★★★★★

REFINANCING

“Chris was always able to answer any questions we had very promptly.”

Bayswater · Google review excerpt

Read client reviews

Selected excerpts from Google reviews supplied by FRF, shown with initials. Individual experiences differ. Read our Google reviews ↗

2026 Broker Innovation Awards finalists ↗Metro Broker and Boutique Brokerage. Explore the categories and full award record.Understand how FRF is paid →Clear information about fees and commissions before you proceed.A panel of lending options →See the lenders FRF can access and how your circumstances guide the conversation.

A QUICK NUMBER CHECK

Start with an estimate.
Then talk it through.

Try repayments first, or open the borrowing estimate. Keep the result as a starting point for a conversation.

Repayment calculatorEstimate monthly repayments and compare a higher rate.

REPAYMENTS

What could the repayment look like?

Estimate monthly repayments and compare with a rate 2% higher.

Borrowing capacity estimateExplore a planning figure based on your household budget.

BORROWING CAPACITY

What might be worth discussing?

Estimate a discussion figure from take-home income, costs, debts and the buffer you want to keep.

Buying costsDeposit, duty estimate, cash and buffer. All calculator checksUse the three core planning tools in one place. First-home supportUnderstand grants, schemes and buying steps.

Calculator results are estimates and general information only. They are not credit advice, financial advice, a pre-approval, a loan offer or a lender commitment.

Talk through my numbers Open all calculators

YOUR FRF JOURNEY

From your first question to life after settlement.

Start with a conversation
Tell us about your plans, commitments and the questions on your mind.
Understand your numbers
Work through deposit, repayments, costs and the buffer you want to keep.
Consider your options
Discuss suitable lending options and their trade-offs once your circumstances are assessed.
Proceed when you’re comfortable
We help prepare and submit your application. The lender assesses it and any conditions.
Stay supported
We guide you through settlement and remain available as your plans change.

Speak with ChrisPhone, video or office appointmentNo need to be ready to apply

What to expect at your appointment →From first conversation to settlement →

Chris Foster-Ramsay, Managing Director of Foster Ramsay Finance

MEET THE PERSON BEHIND THE ADVICE

Your plans.
A conversation with Chris.

A first home, a growing family, a business or a fresh look at your loan. We start with what matters to you, then work through the options and practical next steps.

Our approach and the people behind it →

Chris in the media Our community connections Support after settlement

Ringwood / Melbourne →Waterman Workspaces, Eastland.
Meet by appointment.Geelong →The Company Spot, Federal Mills.
Meet by appointment.

Phone and video appointments are also available. Explore our service areas →

BEFORE YOU BOOK