RGF Finance

Knowing which lender suits your circumstances and ensuring you have the best options and interest rates made available to you, is what we do best. We can.

Finance Specialist available to assist you to find an ideal finance solution for your circumstances - home loans, investment loans, SMSF commercial or SMSF refinances, development finance, commercial loans and business loans and equipment finance. RGF Finance is available to assist you find the right solution for your finance requirements:
- Residential Home Loans
- Business Loans
- Commercial Len

ding
- Vehicle Asset Finance
- Short Term/Private Funding
- Deposit Bonds

Experience and solutions. We find solutions for finance to suit each individual circumstances. Prime and Specialist Lending options available. A bank can only provide you a product, rate or maximum loan amount that fits their lending polices. They can’t help you with other lenders. We have access to over 20 different lenders to ensure the most ideal options are provided. If you have been unsuccessful in past attempts at obtaining finance that doesn't mean that you can't obtain finance - speak to RGF Finance about your financial requirements, your current circumstances and I can confirm whether you have options available to you through a different finance provider to the one you have already tried. I have even assisted clients who have had a bank branch tell them they can't assist and then I have been able to obtain them an approval through the same bank! It's all about experience, lending knowledge and knowing what lending options suit which client.

10/09/2026

Let's be honest...

Most people don't wake up excited about:

❌ Interest rates
❌ Working out which lender you need to use
❌ Negotiating with lenders
❌ Endless paperwork and file notes
❌ Understanding bank jargon and different lending policies
❌ Trying to call the bank and sitting on hold
❌ Waiting and chasing up on loan approval

That's where a mortgage broker helps you! 😇

We do the running around, spend the time, compare options from multiple lenders, understand the borrowing capacity and income verification requirements and help make the process a whole lot simpler and easier. 😎

📩 If you're buying, refinancing, or investing, let's chat. We are here to help.

09/09/2026

Home Loan - Borrower/Buyer Tips 🏡👊

The best property decisions start before you walk through the first open home.

Knowing your budget, securing pre-approval, and understanding the local market helps buyers act with confidence when the right property comes along.

Preparation creates better outcomes for everyone involved. ✅

Take advantage of the market!

📩 Thinking about buying? Let's chat.

07/09/2026

It's time to check your interest rate...

Now might be the time to switch banks to refinance and reduce your rate and repayments.

Sometimes a small reduction to the monthly repayment can create large savings in interest across the remaining term of the loan.

Talk to us to compare your interest rate, loan product, property value and confirm if there is benefit in refinancing.

04/09/2026

Wealth through property is often built through time in the market, not by trying to time the market. 🕓🏡

The reality is that no one knows exactly when it's the perfect time to buy or sell. Some people wait for the "right" moment, while others understand that long-term success comes from getting into the market and allowing time to do the heavy lifting. 💪

But property success isn't just about timing. It's about knowing your numbers, understanding your borrowing capacity, and having a clear plan. When you're prepared and your finance strategy is mapped out, you can make informed decisions with confidence, instead of guessing.

There is an old quote by Antoine de Saint-Exupéry: "A goal without a plan is just a wish".

02/09/2026

Pre Approvals are important...

🏡Looking for your next home or first home? Make sure you're ready first.

A loan pre-approval helps you understand your budget, strengthens your offer, and gives you confidence when house hunting.

✅ Know your borrowing power before you start looking.

01/09/2026

Hello Spring!🌸

Spring is our favourite season of the year! 😄
It's starting to warm up, sunny days, more flowers, longer days and more time at the beach again.

***

Historically, more properties come onto the market during spring, giving buyers more choice and sellers greater exposure to active buyers.

Whether you're thinking about buying your first home, upgrading, refinancing, investing, or simply reviewing your current loan, a new month and season is a great time to check in on your goals.

New season. New opportunities. New possibilities.

Reach out to the team at RGF Finance if you'd like to explore your options. 🏡

28/08/2026

What is an Interest Only Loan?

Interest Only repayments vs Principal and Interest repayments explained:

✅ Interest Only (IO)
You only repay the interest charged on the loan for a set period, keeping repayments lower in the short term. Typically used for investment loans, but also available for owner occupied loans for certain circumstances.

✅ Principal & Interest (P&I)
You pay both the loan balance down and also pay the interest to the bank, helping you reduce debt and build equity over time.

Interest is paid to the bank, for them lending you the money.
Principal is paid to reduce your loan balance, to pay your loan off.

💡 Compare lower repayments now vs paying down debt.
The right option depends on your goals, cash flow, type of property and long-term strategy.

26/08/2026

Wondering What Your Repayments Will Be?

Here's a little cheat sheet for indicative Principal and Interest repayments over a 30 year term, on a variable rate of 6.08%. 🧐

Repayments will differ depending on the loan amount, loan term & interest rate.

Bank's assess the loans at 3% higher than the rate - however we also have access to lenders that assess loans at only 2% higher than the interest rate (which means you can borrow more) and lenders offer loan refinances assessed at 1% higher than the rate.

Use our repayment calculator on the RGF Finance website - https://www.rgffinance.com.au/home-loan-repayment-calculator.html

Wondering what you can borrow, and what you can afford? 🤔
Speak to an experienced finance broker.

25/08/2026

Plans Create Progress

Want to buy a home, grow your property portfolio, reduce debt, or build wealth?

Wishing for a better financial future is a great start, but real progress comes from having a plan.

✅ Set clear goals
✅ Understand your options
✅ Take action with confidence

Plan it. Achieve it. Let's start now!

24/08/2026

Sometimes people wonder what a Finance Broker does and what sort of loans we help people with....

We thought we'd share just three of the recent loans we assisted our clients with, for finance approval:

1. Debt consolidation – reduction to home loan rate and repayments. Reduced interest rate from 6.59% to 6.08% and reduced the number of debts from 4 to 1. Overall reduction to total monthly commitments is $1380 per month = $16,560 per year. 👌

The client is now using the reduction to repayments, to accelerate the loan repayments on the new loan by $1080 (and add $300 per month to savings for their next holiday) which results in reducing their current loan term by 8 years 8 months and saves interest of over $252,000 across the life of the home loan. The holiday account savings will be $5400 in 18 months, which gets them on track for their next family holiday too. Win win. 🐠 🏖️

2. SMSF refinance – reduction to the interest rate from 10.02% to 6.89%.
This reduced repayments by $987 per month = $11,844 per year less.
This has allowed the borrower to accelerate loan payments on the new loan, by using the reduction to repayments, to have a NIL balance at retirement in 10 years (and saves interest of $208000 across the remaining loan term, compared to minimum repayments). The borrowers want to retain the properties in their retirement for passive income and this now allows them to do so, with nothing owing on the loans when they retire! 😎

3. First Home Purchase – We worked with these clients for 4 months to get them ready to accrue the rest of the savings required, work out their expenses budget and be ready to purchase their first home. Pre approval was obtained, property reports provided and discussion held about suitable properties. An offer was made and accepted and their loan was approved! They settle next week and will be able to get set up and settle into their first home – all while knowing their numbers, their budget and understanding how they can continue to save and also pay extra on the loan from the start, to get them ahead. 🏡😃

Every client's situation is different, but the goal is always the same: helping people make smarter financial decisions and move closer to their goals. ✅ 🥳

Thinking about refinancing, consolidating debt, renovating, upgrading or buying your first home or investment property? We can help.

Address

Lvl 13, 50 Cavill Avenue
Surfers Paradise, QLD
4217

Website

http://www.rgffinance.com.au/, https://www.ratemyagent.com.au/mortgage-broker/renee-findlay-gy974/finance/reviews, https

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