RGF Finance

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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.

Mortgage Broker - RGF Finance

Finance tips • Property insights • Lending solutions

We help you navigate and obtain approval for home loans, investment finance, SMSF lending, commercial finance, development funding, 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 Lending
- 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.

03/11/2026

RBA has increased rates today - the fifth increase this year.

Even though rates are up again, that doesn’t necessarily mean your property plans need to go on hold. 🏡

With employment remaining resilient and with the current property market a Buyer's Market, the key is understanding your numbers, your borrowing capacity and what you can comfortably afford.

Higher rates may change your budget, but they don’t automatically mean you can’t buy or upgrade or renovate.

If you’re thinking about purchasing or obtaining finance, let’s have a chat, run the numbers and work out what’s achievable for you.

02/11/2026

Convos between real estate agent CJ & broker RGF Finance.

Buying and selling in the same market makes sense, even when the market is down…let’s do the numbers!

02/11/2026

Could interest rates go even higher? 📈

Ahead of this week's 3 November RBA meeting, economist Michael Knox has been forecasting at least one more rate rise to come, potentially two, depending on the data.

Following the latest inflation figures, the major banks were forecasting a 0.25% November increase, which would take the cash rate to 4.85%. We'll know on Wednesday....

But November may not necessarily be the end of it.

The major banks generally expect a pause after November, while Knox’s more hawkish outlook leaves the possibility of another increase if inflation remains persistent.

For mortgage holders, this is a timely reminder not to simply wait for rate cuts and to know the numbers before making a decision about whether to buy or upgrade. A 0.25% increase could mean a $123 per month increase (loan amount $750k) - is this enough to deter you from buying a home to live in and cease paying rent? 🏠

Review your loan. Review your rate (if you already have a loan). Know your options.
Don't rule out buying just because of rate predictions.

Know the numbers first. 🧐
We help you with this. ☺️

30/10/2026

21/10/2026

Does a Credit Card affect how much you can borrow?

In short, YES.

That $10,000 credit card could be costing you more than you think...

Not necessarily because of what's owing on it, but because of the credit limit.

In this example, the same borrower with the same income and expenses could borrow around $46,000 LESS simply by having a $10,000 credit card limit in place.

Many lenders assess your borrowing capacity based on the limit, even if the balance is $0 or if you haven't even used it for the past year or two!

Before applying for a home loan, it pays to review your credit cards and understand the impact.

✅ Reduce the limit
✅ Close unused cards
✅ Know your borrowing power before you start house hunting

At RGF Finance, we run the numbers for you and show you all your options.

20/10/2026

What does a mortgage broker actually do? 🤔
It’s a lot more than just finding you a home loan – here is some of what we do:

✅ We compare lenders and loan options to best suit your requirements
✅ Explain borrowing capacity and policies
✅ Manage the paperwork by obtaining all relevant income and supporting documents, research your options and manage it through to application submission, approval and settlement
✅ Provide property reports and go through comparison of properties and prices to help with your offer
✅ Support and negotiate your application with the lender, to obtain finance approval
✅ Help solve problems along the way
✅ Ensure important timeframes are met
✅ Provide examples and estimates of how you can reduce your loan & interest and loan term with offset accounts, using redraw, extra payments etc
✅ Guide you and your application through to settlement
✅ Assist you after settlement with any questions and review the loan periodically to request rate reductions where required and assist with any other finance requirements

We know, and have access to, the bank’s lending guidelines and also have access to their loan servicing calculators and contacts with bank representatives.

We do the research to compare lenders, have valuable experience to find the best loan options for you, handle communication and follow-up the banks and solicitors and do the negotiations so you don't have to.

We make the loan process simpler, smoother and less stressful.

15/10/2026

14/10/2026

Good chat with CJ - real estate agent with

Part 1 with more to come…

13/10/2026

Using the same income, expenses and interest rate, this comparison shows the borrowing power across just three different lenders.

The result?
A huge difference of $128,000 in borrowing capacity between Bank A and Bank C. 💰

That could mean:

✅ Buying the home you really want instead of compromising
✅ Having the right amount of funds needed for all your renovations
✅ Being able to upgrade sooner than expected

As Mortgage Brokers, we have access to lender servicing calculators, credit policies and lending options across multiple banks. We know which lenders are able to help you achieve the outcome you're looking for.

Finance, Mortgage Broker, Home Loans, Car finance, equipment finance, business loans, commercial purchase, Finance Broker,

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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