RB finance

As the year wraps up, we want to thank our incredible clients, team, partners, family, and friends for making 2024 such a memorable year. Your support means the world to us, and we couldn’t have done it without you. Wishing you a joyful, safe, and relaxing holiday season. Here’s to an exciting and prosperous 2025 – we can’t wait to work with you again!

Fixed or variable rate – what’s the right choice for you? Fixed rates offer security and certainty, but then you miss out on potential rate drops. Variable rates can potentially save you money if the market shifts in your favour but can be harder to budget for. Not sure which way to go? Let’s chat about what's going to serve your best interests and help you reach your financial and lifestyle goals.  DM us for expert guidance. #rbfinance #australiansmallbusiness #toowoomba #toowoombabusiness #toowoombasmallbusiness #toowoombalocal #toowoombarealestate #toowoombacity #queenslandrealestate #queenslandproperty #agribusiness 

Offset accounts can help you save big on interest. Here’s how: - Your savings reduce your home loan balance, so you pay interest on a smaller amount - You can still access your funds whenever you need them It can be a win-win for saving and flexibility, but only if you use it in an optimal way. Want to know if it’s right for you? We’re here to help. #rbfinance #australiansmallbusiness #toowoomba #toowoombabusiness #toowoombasmallbusiness #toowoombalocal #toowoombarealestate #toowoombacity #queenslandrealestate #queenslandproperty #agribusiness

Most home loans go through a mortgage broker these days, but if you haven't used a good one before you may wonder what the fuss is about. Think a mortgage broker just helps you find a loan? Here’s what we really do: - Compare hundreds of options against your property strategy - Handle the paperwork so you don’t have to - Explain confusing terms and hidden costs - Advocate for you with the banks We make the home loan process simple, stress free, and tailored to your unique needs. Tell us, if you haven't used a broker yet, what's stopping you? #rbfinance #australiansmallbusiness #toowoomba #toowoombabusiness #toowoombasmallbusiness #toowoombalocal #toowoombarealestate #toowoombacity #queenslandrealestate #queenslandproperty #agribusiness

It's easy to get it wrong the first time around, so we've put together a list of things we've seen many first home buyers do when they've tried to DIY the home loan process – so you can learn from their mistakes! What not to do when it comes to buying your first property: 1. Overextending yourself on your budget 2. Rushing the decision without proper research 3. Not getting pre-approval before house hunting 4. Ignoring government grants or assistance programs 5. Underestimating other costs like stamp duty and inspections We’ll guide you through every step to make it a stress-free experience. #rbfinance #australiansmallbusiness #toowoomba #toowoombabusiness #toowoombasmallbusiness #toowoombalocal #toowoombarealestate #toowoombacity #queenslandrealestate #queenslandproperty #agribusiness

Feeling stuck with your existing home loan? Refinancing could save you thousands or shave years off the life of your loan. Here’s when it’s worth considering: - Your interest rate is higher than current offers - You want to access equity for renovations or investments - Your fixed term is ending, and better options are available We’ll help you crunch the numbers and decide if refinancing makes sense for you. Reach out to us today. #rbfinance #australiansmallbusiness #toowoomba #toowoombabusiness #toowoombasmallbusiness #toowoombalocal #toowoombarealestate #toowoombacity #queenslandrealestate #queenslandproperty #agribusiness

Not feeling confident your home loan application would be approved? Here’s what the lenders look for: - A solid credit score (check and improve it if needed) - Steady income and employment history - Genuine savings for your deposit - Few unnecessary expenses These are just a few factors that make an application stronger and boost your chances of approval. But a word of comfort: we know as well as you that most people don't live a cookie cutter life. Maybe you've got a few blemishes on your credit file. Perhaps you're mid-way through parental leave or you've recently founded a new business. Whatever your unique circumstances, we can help you craft a personalised strategy to make your dreams of home ownership a reality. Get in touch today. #rbfinance #australiansmallbusiness #toowoomba #toowoombabusiness #toowoombasmallbusiness #toowoombalocal #toowoombarealestate #toowoombacity #queenslandrealestate #queenslandproperty #agribusiness

Buying a property? It’s not just about the price tag! Don’t forget these extra costs: 1. Stamp duty 2. Conveyancing and legal fees 3. Building and pest inspections 4. Loan application fees 5. Moving costs We’ll help you plan for these so you’re not caught off guard. Let’s get your budget sorted. #rbfinance #australiansmallbusiness #toowoomba #toowoombabusiness #toowoombasmallbusiness #toowoombalocal #toowoombarealestate #toowoombacity #queenslandrealestate #queenslandproperty #agribusiness

Why choose a mortgage broker over going direct to the bank? It's simple. We compare dozens of lenders, negotiate better rates, and make the whole process easy. Plus, we work for you – not the bank. Let’s make sure you get a home loan that works in your best interests, without the hassle. #rbfinance #australiansmallbusiness #toowoomba #toowoombabusiness #toowoombasmallbusiness #toowoombalocal #toowoombarealestate #toowoombacity #queenslandrealestate #queenslandproperty #agribusiness

It’s time to pause for a moment to honour the brave men and women who gave their all to protect our freedoms. Their sacrifice will never be forgotten. Lest we forget.