Regional Finance Solutions - Northern Rivers 0418 785 747

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Ballina, NSW
Regional Finance Solutions - Northern Rivers 0418 785 747

David is your local, experienced lending specialist in the Northern Rivers, NSW.

David specialises in all of your residential, commercial, equipment and personal lending needs.

30/06/2026

The first home deposit hurdle is smaller than you think.
The magic number isn't always 20%.
One of the biggest myths stopping first home buyers is the belief you need a 20% deposit before you can even think about buying.
You don't.
There are several ways into the market with a lot less.
5% deposit - via the Government's First Home Guarantee Scheme (with no Lenders Mortgage Insurance)
2% deposit - for eligible single parents via the Family Home Guarantee
Family Pledge Loan - where your parents' equity substitutes for part of your deposit.
The 20% figure exists because it's the threshold that avoids Lenders Mortgage Insurance (LMI). A cost that protects the lender, not you, and can add thousands to your loan.
But with the right structure, you can avoid LMI without a 20% deposit.
The key word is structure.
The deposit is just one piece.
How the loan is put together matters just as much.
At Regional Finance, we have first home loan experts happy to guide you through your options and find the right path for your situation.
It's worth a conversation. Call us on 1800 734 346.
The small print: This is for information purposes only and does not take into account your personal situation or circumstances. Regional Finance Solutions Pty Ltd trading as Regional Finance, Australian Credit Licence 484980.

23/06/2026

If you could live anywhere, would you choose the city, the coast, or the country?"
Have you been dreaming about a slower pace of life?
Whether it's wide-open spaces, fresh air, or just a close-knit community, there's never been a better time to make the move you've been thinking about.
At Regional Finance we understand that buying a home is about more than finance. It is about creating the lifestyle you want for yourself and your family. That's why our lending specialists take the time to understand your goals and help you find the right solution.
Regional Living
More Space
Stronger Communities
Personalised Lending Support
Ready to take the next step?
Call us today on 1800 734 346 ( 1800 REG FIN)
[email protected]
www.regfin.com.au

20/04/2026

The banks can be a great place to get a loan — if you tick all the boxes. 🏦 But those boxes are tight and rigid.
They closely review your personal (and business) spending:
UberEats? 🍔 Not ideal.
Streaming subscriptions? 📺 Questionable.
Outstanding debts? ⚠️ Concern raised.
Missed a payment? 🚨 That’s a red flag.
If you fit neatly within their criteria, you’re often fast-tracked. Simple and efficient. ✅
But for many people, life isn’t that straightforward.
If you’re self-employed,
if you’ve had credit challenges in the past,
if you run your own business,
or if you’re navigating blended families and complex finances… 👨‍👩‍👧‍👦
These aren’t issues — but for increasingly automated, algorithm-driven lending systems, they can create unnecessary barriers.
You may be declined, delayed, or lost in a review queue. ⏳
That’s why, with the largest lending panel in the country and access to a wide range of flexible lenders, Regional Finance continues to help more people find a way forward. 🔑
If you’re not getting the service or lending options you deserve, get in touch. One of our brokers would be happy to help. 🤝
https://www.regfin.com.au

15/04/2026

The most expensive mistake in home loans isn’t the interest rate — it’s the finance options your broker doesn’t have access to 💡
You don’t know what you’re not being shown 👀
At Regional Finance, we have one of the largest lending panels in the country 🏦, giving us more options and more opportunities to say YES ✅

12/03/2025

Buying or building your home is an exciting time and the path to home ownership can be daunting. Our Lending Specialists are highly trained and will work with you to guide and assist you, not only when buying your home, but in the years ahead to make sure that you get and keep the best deal possible.
Why Regional Finance Solutions:
With a panel of over 50 lenders, including several that are exclusive to us, we will find you a home loan that meets your needs – not the needs of a lender,
You will deal with a person that is committed to making sure that you get the best home loan possible,
Your Lending Specialist will be there with you in the years ahead to make sure that your deal continues to meet your needs,
We will provide you with the full details of all commissions that the lenders pay us, so you can see that we are providing you with the deal that suits you, not a deal from a lender that may pay us a little more than another.
We will act in your best interest – every time we act for you.
Our lending specialists live locally and are happy to travel to meet with you.
Phone: 1800 734 346
Email: [email protected]

06/03/2025

What does a preapproved home loan really mean and how long do they last? Many are not worth the paper they are written on, and only last 90 days. But read on.
Many lenders nowadays only offer what is called a non-assessed preapproval. This means that they take the information provided but don’t check to see if it’s correct or check that you fit their policy, they just say “based on what we have been told your loan is preapproved”. When push comes to shove, and you go back for a formal approval you may not get it! Imagine, you just bought a property at auction and now you have no loan approved. Unless you can find a new lender quickly you may have just lost your hard-earned deposit.
Depending on your lender most preapprovals last for 3 months, maybe 6. So, from the day you get your preapproval you are under pressure to find a property, or you must do all the application paperwork again.
There is a better way……
At Regional Finance Solutions we have lenders that will do a fully assessed preapproval. This means that the lender has checked what has been provided to make sure that you fit their policy and are eligible for the loan applied for. This means that when they say, “you are preapproved”, you really are. So, you can go ahead with confidence.
Oh, and that 3-month thing? Does 12 months sound better? Of course, there are terms and conditions to this, but yes, that pre-approval could last for up to 12 months.
There you go, a fully assessed preapproval to give you peace of mind, and 12 months to give you time to search and not make a rushed decision. Sound good? Give us a call on 418 785 747 and we will connect you to one of our team.

26/02/2025

Regional Finance Solutions are with you the entire way through the Home Buying process.
We even offer home moving services.
We make moving easier with our moving house connection services.
Moving house is something most Australians will do at least a few times in their lives. But for whatever reason, it doesn’t seem to get any easier.
That is until now. Enlist the help of Regional Financial Solutions and moving into your new home has never been easier.
When you’re moving house, so many things need to happen in a short amount of time. So let us pitch in where we can.
Our free moving house service is our way of helping our clients during one of the busiest times of their lives. It’s designed to make the process of choosing utility services and plans easier. We do the hard work of sifting through the options, hand picking the best choices, and getting you connected.
Take advantage of our complimentary moving house service
Saves you time, Cuts the stress, Gets you connected
Find online form on our website.
https://www.regfin.com.au/services/index/moving-house?fbclid=IwZXh0bgNhZW0CMTAAAR0kaKAHPEgrKH-Iz4AKVlIEyMwoVTMz0YIv-wm6n8ZKd5KaJ6CM_qwJlXo_aem_RpTZaWSUZw6r_jTi6A9CYg

13/02/2025

Dreaming of a sea change? Here’s what to consider before making the move
Many Australians are dreaming of swapping city life for the charm of the coast. What was once primarily about lifestyle is now a practical choice for many.
But before packing your bags for the coast, here are key factors to consider:
https://financefocus.connective.com.au/dreaming-of-a-sea-change-heres-what-to-consider-before-making-the-move?fbclid=IwY2xjawIaLVpleHRuA2FlbQIxMQABHWGGORigtXQFC-8hkqG64kbAp7U6OmdSKIZI-3JHx3zT_mXhHoNZobYgtg_aem_NwkOKXS6EtvsHKnGELnw1Q

11/02/2025

We can help you with personal loans for assets such as cars, motor bikes, trailers, boats, caravans, RVs, campers and motorhomes. Any asset that can be registered can be financed and Regional Finance Solutions will save you time by finding the most suitable loan for your asset.
Our experienced loan brokers not only can show you loans from more than 50 different banks and finance companies, but we compare all the terms and conditions and explain everything to you in easy terms. We’ll make things easy to find the best personal loan to suit your needs.
Our loan broking services generally cost you nothing, so get in touch to let us help you find a personal loan.
Phone: 1800 734 346
Email: [email protected]

Address

97 Tamar Street
Ballina, NSW
2478

Telephone

+61418785747

Website

https://www.regfin.com.au/

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