Real talk

We tell it like it is and stay clear of jargon, fluff and spin.

Real-world expertise

We can talk the talk because we've walked the walk.

Real locals

We're here to help Toowoomba continue to thrive and prosper.

Real results

Our focus is 100% on helping you achieve the right outcome.

Meet the team

Get to know the people behind RB finance.

Helping you get the most out of your finances

We come from a banking background, so we have firsthand insight into the policies and processes lenders use to win your business.

We moved into mortgage and finance brokering because we believe you deserve choice - particularly when making one of the biggest financial decisions you'll ever make.

At RB finance, our primary goal is to help you get the right finance product so you can get the most out of your finances and enjoy the good life – whatever this looks like for you.

Our process
Ryan Baddock
Managing Director

Bank whisperer.

Kate Polkinghorne RB finance
Kate Polkinghorne
Client Support

Paperwork magician.

Finance products are about more than interest rates

We know finance inside out, and help you make sure you're taking a strategic approach that will serve you well into the future - no matter your goals.
RB finance mortgage broker online

We are 100% focused on getting you the right result

Our industry-leading expertise, combined with an unwavering commitment to doing the right thing by you is how we achieve amazing results, time and time again.

What people say about working with us

Jessika Kelly
Jessika Kelly
November 2, 2020.
Verified review
Ryan and his team made the process of refinancing a breeze. Excellent communication, stress free and saved us so much money. Best decision we made going to RB Finance.
Catlyn Mason
Catlyn Mason
October 30, 2020.
Verified review
5 STARS. Would recommend RB Finance to friends and family. Straight forward, trust worthy, Ryan gives his honest opinion whilst listening to what the customer wants, all round top notch service that will save me money long term!
Amie Wills
Amie Wills
October 29, 2020.
Verified review
One word AMAZING. Ryan and Kate are incredible and if you are looking for a broker, do not hesitate, just head to RB Finance. Ryan and Kate are amazing at what they do, they are informative, professional, responsive and have saved my partner and I thousands on our first mortgage. Ryan and Kate handled every aspect of the finance process, kept us fully informed and feeling confident every step of the way. They presented a number of amazing mortgage opportunities for us to explore, quickly secured our place in a government grant and obtained both pre-approval and full approval in a matter of weeks - simply amazing. We cannot thank them enough.
Waleed Sammouh
Waleed Sammouh
October 24, 2020.
Verified review
Friendly people, professional services and always Rady to help.
Emma Parrock
Emma Parrock
September 16, 2020.
Verified review
10 out of 10 to Ryan and the Team at RB Finance. Our home loan application and the entire process was made much, much easier because of their professionalism and market knowledge. They took the reins so we didn't have to - I would highly recommend the services of Ryan and RB Finance.
Cady Davis
Cady Davis
September 8, 2020.
Verified review
Nothing but great reviews for Ryan & his team. My partner and I were very pleased to do our refinance and new house building loan with him 🙂
Luke Stephenson
Luke Stephenson
August 31, 2020.
Verified review
Ryan was great to deal with. He was personable, professional & kept us updated through the whole process - would highly recommend Ryan’s services!
Clint Jackwitz
Clint Jackwitz
June 26, 2020.
Verified review
Ryan and team at RB finance made our experience with financing stress free. Would highly recommend their service.
Lewis Farming Enterprises
Lewis Farming Enterprises
May 27, 2020.
Verified review
Ryan and Kate made the refinance process very easy. Both were extremely patient and took the time to explain things. Ryan took the time to personally come out to meet us. After settlement Ryan ensured that we were satisfied with the product and any minor issues were resolved. I would strongly recommend RBfinance to anyone looking to refinance their existing loan.

Our lenders

When you secure finance through us, you get access to products from more than 40 lenders
How we help you choose a lender

Frequently asked questions

If you haven't used a mortgage or finance broker before, you may have some questions about how it all works

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. What about 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.

8. 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.

9. 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.

10. 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.

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