The finance industry has experienced a myriad of changes recently, particularly relating to residential home loans, so there is no better time than now to consider a Finance Specialist to obtain the right home loan for you. We have a variety of lenders available to suit your individual circumstances and know which loans and products suit which borrower. You will be provided an ideal solution to your lending needs at competitive interest rates with a flexible product to suit your needs. Residential home loans are my forte - let me help you obtain the right loan to help you attain financial security & success.
Prime or Non Conforming options available
Product options available with fixed or variable rates, 100% offset account facilities, full features, term loans or Line of Credit facilities
Products with and without monthly or annual account keeping fees
Low Doc products available for prime and non conforming lending
Options with and without Lenders Mortgage Insurance ('LMI'). If LMI is applicable it can be capitalised to the loan amount to varying maximum Loan to Value Ratios (LVR) depending on the lender. A LVR is the Loan to Value Ratio (this is the loan amount as a percentage of the property value). Depending on your occupation and income level you may also be able to have LMI waived. Contact us to enquire about these options.
First Home Buyers Making the decision to buy your first home is an exciting and nerve wracking time. Fully documented home loans are available with genuine and non genuine saving deposits to a maximum of 99% of the property value for established dwelling and 98% inc LMI for construction.
Purchase an established dwelling
Purchase a new property (not previously occupied) or construct your first home with the First Home Owners Grant (each state varies however in QLD the Grant is currently $15,000 - as of 1st July 2018 - for properties up to $750,000, funded by the government for eligible borrowers)
Investment Loans Investment loans to 90%, inclusive of LMI, for fully documented loans and lower LVRs available for low doc loans. Interest rates will vary, especially compared to the majority of owner occupied home loans, however we will find you a suitable solution with a competitive interest rate and product to suit your needs and loan type.
Available for the purchase of established dwellings or for construction
Owner Occupied Loans Available for lending up to 99% for fully documented loans, lower LVRs available for low doc loans.
Purchase an established dwelling (maximum loans to 99% of the property value) or construct your own home (to 98% of property value)
Competitive products and rates available
Interest Only or Principle and Interest repayments
Refinancing & Debt Consolidation Refinance your home loan and consolidate any number of debts to reduce your interest rate & overall monthly commitments
Refinance and consolidate debts are generally available to a maximum of 90% LVR plus capitalise LMI
Refinance only (no cash out or debt consolidation) available up to 95% (conditions apply)
Cash out (includes cash out for working capital)
Investment or Owner Occupied - prime and non conforming lending options available
Non Conforming Lending We have a range of products available to suit borrowers with credit impairment or adverse loan history. We understand that particular life events may have affected your credit rating however we also believe that if your situation has improved you deserve a new start.
Refinances and debt consolidation
Construction loans Construct owner occupied or investment properties:
Construct up to 98% of the property value for fully documented loans and lower LVRs for low doc loans
Obtain the First Home Owners Grant (QLD) for eligible borrowers - available from land settlement
RGF Finance specialises in providing the right product and loan for every client's financial requirements. We will provide you relevant information to ensure you understand the process and that you are confident and aware of the end financial outcome. Read More +