RB finance

RB finance Toowoomba Mortgage Brokers. We'd love to show you What's Possible!!! We seek to provide you the best service and love finding the right banking solution for you.

We focus on all areas relating to lending and finance including Home Loans, Vehicle, Equipment, Business, Commercial and Agribusiness Finance. We want to help you get the most out of life and achieve your goals. We want to make your finance journey simple and clear, giving you confidence in your choices. With the lending environment becoming more complex and the impost of increased government regu

lation on banks it is more important than ever to use a professional when seeking finance. We provide personalised, tailored advice, just for you and your unique circumstances. Call us and you'll speak to a real person, there to give you the right information that is relevant to you. We will help you feel sure you've got all the answers - even to questions you might not think to ask. We're just like you - real people living and working in our community. We want to get to know you. To find out what is really important to you. Then we can help you to work out exactly what you need now, and in the future. We work harder, negotiate better, plan more and we really care. Our sole focus is on finding the right finance for you. We don't do anything else. We have walked the walk in the real world, and we know how to get the real results you deserve.

01/06/2026

It turns out your bank doesn't reward loyalty – they punish it! 🏦💸

While you've been faithfully paying your mortgage, they've been:
❌ Leaving you with less competitive products
❌ Offering better rates to new customers
❌ Hoping you never ask for a better deal

Meanwhile, many of our clients are:
✅ Refinancing to save thousands per year
✅ Accessing more useful features and flexibility
✅ Using their equity for investments or renovations

Don't let loyalty cost you money. Let's see what you could be saving.




https://rbfinance.com.au/

There’s a lot of talk at the moment about changes to negative gearing and how it could affect borrowing power.And if you...
29/05/2026

There’s a lot of talk at the moment about changes to negative gearing and how it could affect borrowing power.
And if you’ve looked at any servicing calculators lately, you’ve probably seen some pretty scary numbers.
But here’s the thing — those numbers aren’t entirely accurate.
Most lenders are still using really basic settings when it comes to negative gearing. It’s either fully included… or completely removed.
The proposed changes don’t actually work that way.
They limit how deductions can be used, which means the real impact sits somewhere in the middle — not at either extreme.
So yes, borrowing capacity might come down a bit.
But it’s not as dramatic as what’s being pushed around online right now.
A few lenders have already started adjusting their models, but many haven’t yet — which is why things look worse than they probably will be.
Takeaway: don’t panic — get clarity.
👉 Reach out if you want a clearer picture of how this could affect you specifically.

Thank you so much for your feedback, Jahna! It was our absolute pleasure to help you."Ryan and the team were amazing to ...
23/05/2026

Thank you so much for your feedback, Jahna! It was our absolute pleasure to help you.

"Ryan and the team were amazing to deal with when it came to helping us through a new home loan. Being in business ourselves, we felt there were lots of moving parts - but Ryan and the team made it easy, and kept us in the loop the entire time until a successful settlment.

Can now thank them enough.

We have since gone on to obtain equipment finance with them, and I wouldn't have it any other way now. They are my go-to for all finance matters.

Thank you to Ryan & all the team at RB Finance."




https://rbfinance.com.au/

Yes, switching loans can save you money – but sometimes repricing your current loan is just as effective.Before you refi...
16/05/2026

Yes, switching loans can save you money – but sometimes repricing your current loan is just as effective.

Before you refinance, weigh up:
– Exit and application fees
– Whether you’ll lose key features
– If the savings outweigh the costs

We’ll run the comparison for you. Sometimes the smartest move is the simplest.




https://rbfinance.com.au/

Today we celebrate the women who’ve shaped us.Thank you to the mother figures in our lives for your guidance, wisdom, pa...
10/05/2026

Today we celebrate the women who’ve shaped us.

Thank you to the mother figures in our lives for your guidance, wisdom, patience, care, laughter, lessons, and love.

To those for whom today brings up big emotions – we’re thinking of you, too.

A 20% deposit is ideal – but it’s not essential.So many people think they have to wait years to save a massive deposit t...
09/05/2026

A 20% deposit is ideal – but it’s not essential.

So many people think they have to wait years to save a massive deposit to get into their first home.

Not true. Depending on your circumstances, you could get into the market with as little as 5%.

We help first home buyers access:
– Low deposit loan options
– First Home Guarantee scheme
– Lender's Mortgage Insurance (LMI)
– Connections to other professionals

Waiting might feel safe. But sometimes, it ends up being more expensive in the long run.

Let’s chat about what’s possible for you now.




https://rbfinance.com.au/

The RBA have done it again, taking the cash rate from 4.1% to 4.35%.Not the news any of us were hoping for, but somewhat...
05/05/2026

The RBA have done it again, taking the cash rate from 4.1% to 4.35%.

Not the news any of us were hoping for, but somewhat expected given latest inflation data.

If you have a home loan, this rate rise is no doubt very unwelcome and we understand you might be concerned how it’ll impact the household budget.

It’s worth looking at repricing, refinancing, or restructuring – there are options.

We're here when you’re ready.

Ever noticed lenders ask how many kids you have?It’s because each dependent reduces how much the bank is willing to lend...
02/05/2026

Ever noticed lenders ask how many kids you have?

It’s because each dependent reduces how much the bank is willing to lend – roughly $70k less per child.

It’s not a deal-breaker, but it does change the numbers.

We’ll help you map out a strategy that still gets you into your first home.




https://rbfinance.com.au/

30/04/2026

The Loan to Value Ratio is how much you're borrowing compared to the value of the property (and accounting for all fees and taxes).

An LVR of 80%, for instance, means you have a 20% deposit to contribute to the purchase once you've paid Stamp Duty and other costs.⠀
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Any questions on home loan jargon? Send us a DM




https://rbfinance.com.au/

Lest we forget the sacrifices of our ANZACs.They shall grow not old, as we that are left grow old:Age shall not weary th...
24/04/2026

Lest we forget the sacrifices of our ANZACs.

They shall grow not old, as we that are left grow old:

Age shall not weary them, nor the years condemn.

At the going down of the sun and in the morning

We will remember them ❤️

Address

279 Ruthven Street
Toowoomba, QLD
4350

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+61746339825

Website

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