Toowoomba mortgage brokers

Ready to find out what's possible?

Toowoomba's leading mortgage brokers empowering you to achieve your big goals

What people say about working with RB finance

Our story is all about yours

Who we are and why we do what we do. Spoiler: it's got everything to do with locals like you
Our solutions

Proudly helping you get a better deal

Whether you're running a business, forging ahead in your career, or raising a family, we're here to guide you through all things finance.
Home loans
We're here to help you navigate the finance maze
Buy a home
Loan refinancing
We help you switch to the most optimal loan product
Refinance my loan
Investment loans
Providing you with expert guidance to build your portfolio
Invest in property
Commercial finance
Build your business with the right investment
Build my business
Agribusiness finance
Strategic funding to support your farming operations
Grow my agribusiness
Asset finance
Invest in the equipment you need to drive your business forward
Purchase assets
Who we help

About our clients

Our clients are a diverse bunch, but one thing they have in common is a desire to get a better deal from the banks. Our personalised approach means every solution is tailored to unlock your unique financial potential.
Our clients
Home buyers
Buy your first or forever home with ease and peace of mind
Property investors
Climb the property ladder with strategic finance solutions
Business owners
Secure the funding you need to drive your business forward
Farmers
Continue building your legacy and maintaining a strong operation

Maximum choice from a range of credible lenders

OUR TEAM
What's important to you is important to us
We're here to give you quality guidance on all things finance. We want you to get finance that's life enhancing, so you don't feel chained to the banks. Ready to achieve your big goals? Let's make it happen!
Get to know us

Ready to make it happen? Book your no strings chat now

Book your free call

Crunch the numbers with our handy calculators

Knowledge is power, and while these calculators are no match for the level of insight you'll get during a one on one with us, they're a great starting point to explore your options.
Find out how much you could borrow
Learn how redraw and offsets work
Calculate your monthly expenses
Calculate

Frequently asked questions

If you haven't used a mortgage or finance broker before, you may have some questions about how it all works.
What does a broker do?
We work with you to understand what you want to achieve, and then together we nut out a plan to make it happen. We help you understand how much you can borrow, and which loan products are available to you. Our job is to make sure you don’t take out a loan that’s not right for you.

We have access to over 40 lenders and are familiar with the ins and outs of their policies. This places us in a unique position to guide you to the loan products that are most suitable.

And of course, as you may be aware, the finance process can be convoluted, time-consuming and frustrating! We take the pain out of the process and do a lot of that hard yards for you.
Do you charge fees?
We don’t. While we’d love to say we do this work out of the kindness of our hearts, we’ve got to eat! It’s the lender who pays us a fee.

The commissions we’re paid are almost identical across all lenders, so there’s certainly no financial incentive in recommending one lender over another.
Is your recommendation based on the commission?
Absolutely not. Besides the fact we want to be able to sleep at night, your interests are also covered by law. The mortgage and finance brokering industry has legislation called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry.

We are required to present you with a selection of suitable loans from different lenders and tell you upfront what commission we will be getting. We take our responsibility to find you the best loan for your needs very seriously.
Is it more expensive to use a broker?
Definitely not. The costs of the loan are the same, whether you go through a broker or straight to the lender. In fact, in many cases, we’re able to negotiate a better outcome for you.
How much can I borrow?
The short answer is: it depends. Give us a call and we can walk you through your options. You can also start crunching the numbers yourself with our handy calculators.
Should I go with fixed or variable?
It really depends on what your needs are. Get in touch, and we can discuss how each type of interest rate would affect you.
What if I don't live in Toowoomba?
That’s fine, we have clients all over Australia and are happy to meet up via Zoom. We also see clients all across our expansive state, so if you’re living in rural Queensland, we can either come to you or meet up remotely.
Which lenders do you deal with?
We have a broad range of lenders to choose from, from the Big 4, to credit unions, mutual banks and even private lenders – our strong lender relationships pave the way for a pain-free experience. Check out the lenders we're experts on.
Why use a broker instead of just going to the bank?
It comes down to choice, support and convenience. We compare loans for a living, and help you decipher the fine print so you understand your options and can choose the most suitable one for you.
What are your credentials?
We are multi award-winning accredited mortgage and finance brokers. Our background in banking gives us insight into how lenders operate, while our ongoing professional development ensures we stay up-to-date with the ever-changing world of finance. You can find out more about our professional experience over on LinkedIn.

Ready to get started?

Let's meet for a no strings conversation to find out how we can help you achieve your big goals
Book a meeting
We’re a boutique mortgage and finance brokerage based in Toowoomba. Our no-nonsense approach to finance, proven track-record and relentless dedication to our customers is what sets us apart.
Credit Representative Number 493485 is authorised under Australian Credit Licence Number 389328. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
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