Great team who supported us in the house buying process.
Very responsive.
Kim Moore
3 March 2024
Ryan and Dani looked after us every step of the way in understanding what our remit was and didn’t disappoint. Thanks again !
Brittany Wagner
7 December 2023
RB Finance recently helped us with the purchase of a new property.
They made the process very easy and we are very thankful.
Joshua Badcock
5 December 2023
We can highly recommend Ryan and his friendly team at RB Finance.
They had fantastic communication, guidance throughout the process and delivered an excellent outcome.
Their professionalism gave us confidence that in every stage of refinancing we were well looked after.
Look forward to working with their team once again in the future.
Thanks again
Myles Cosgrove
13 September 2023
I was kept updated regularly and was impressed with the whole team throughout the process. Thanks very much!
Hollye Baltus
13 September 2023
The only guys to use if your purchasing a property. The team has outstanding communication and made the whole process easy and understand. I never though I would own my own home but this team made it happen. Cant recommend highly enough!
Craig n Donna
12 April 2023
Ryan and his dedicated team have been amazing. A bit of renovating to do but we are in our house and loving it....... :)
Kourtney Neville
8 February 2023
RB finance have recently helped us with purchasing our dream home. The team were efficient, easy to deal with and kept us in the loop throughout the entire process. RB finance went above and beyond for us. I strongly recommend this team if you're looking to purchase your next home
Juan Esparza
15 January 2023
Ryan, was very supportive and provided guidance throughout our first home purchase / home loan. I would highly recommend anyone to him and his team.
nutsacasou
21 December 2022
Made the process of accessing a new home loan so easy... every question we had, Ryan and the team were able to answer. Their communication was second to none and made the stressful process stress free!! Thanks
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.
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.
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!
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.
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
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.