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.

Wondering how long you'd be locked into your home loan? Well, assuming you make only the minimum repayments, you'll be p...
22/06/2026

Wondering how long you'd be locked into your home loan? Well, assuming you make only the minimum repayments, you'll be paying back your loan for as long as the home loan term.

The home loan term is the length of time you and the lender agree your loan will be paid back by.

Home loan terms usually range from 20 to 40 years, with 30 years being fairly standard.

Choosing a longer term will result in lower monthly payments, but you'll pay more in interest over the life of the loan.

Want to know which term is right for you? Get in touch and we'll help you weigh the pros and cons.




https://rbfinance.com.au/

No change to the cash rate today, with the RBA deciding to hold it steady at 4.35%.They’ll meet again in August, and wil...
16/06/2026

No change to the cash rate today, with the RBA deciding to hold it steady at 4.35%.

They’ll meet again in August, and will be looking at whether the last three rate hikes have helped curb inflation as hoped.

If you’re wondering what this means for the lending landscape, now's a great time to speak with us to understand your options.

Reach out for a no strings chat.

Thank you so much for your feedback, Leslie! It was our absolute pleasure to help you.Dani and the loan ninjas are amazi...
15/06/2026

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

Dani and the loan ninjas are amazing, easy to deal with and provide a service like no other these guys are the 3rd brokers (second time I have engaged them) I have used and are miles above the rest so hopefully I’ll never need to use any other broker service again!!!! Thanks Team




https://rbfinance.com.au/

Don’t let outdated equipment slow you down.We make asset finance easy – with loans that work for your business. htt...
08/06/2026

Don’t let outdated equipment slow you down.

We make asset finance easy – with loans that work for your business.




https://rbfinance.com.au/

Toowoomba Tradies — We’ve got something built just for you 🔧If you’ve just qualified and you're ready to get started, we...
05/06/2026

Toowoomba Tradies — We’ve got something built just for you 🔧

If you’ve just qualified and you're ready to get started, we know the biggest hurdle is often getting your first work vehicle.

That’s why we’ve launched our Tradie Finance Product — designed to help you get moving from day one.

Here’s how we help:
✅ 1 Day ABN eligibility
✅ Up to $75,000 for property owners
✅ Up to $50,000 for non-property owners (20% deposit)
✅ Finance for utes, vans, 4WDs & trucks under 4.5t
✅ Dealer & private sales accepted
✅ Flexible terms (24–60 months)
✅ Fast, simple approvals

Who’s it for?
✔️ Newly qualified tradies
✔️ Australian citizens or PRs

We’re local, we understand tradies, and we keep things simple.

👉 Send us a message or comment below to get started

Still saving for a 20% deposit? You might not have to.There’s a new 2% deposit home loan that’s opening the door for fir...
04/06/2026

Still saving for a 20% deposit? You might not have to.

There’s a new 2% deposit home loan that’s opening the door for first home buyers 👀

Yes… just 2%.

That could mean getting into your own home years sooner — without the stress of trying to save a huge deposit while everything keeps moving.

✅ Less saving
✅ Less waiting
✅ More opportunity

If you’ve been feeling stuck on the sidelines, this could be the shift you’ve been waiting for.

Message us to see if it’s an option for you — your first home might be closer than you think 🏡

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/

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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