Whether you’re buying your first home or your next, it’s an exciting milestone – and the expert team at RD Finance Solutions is here to guide you every step of the way. We offer personalised advice and access to a broad network of trusted lenders to find the right home loan for your needs. With a single point of contact throughout the entire process, you’ll experience clear, consistent communication and support. Our goal is to make finance simple and approachable, delivering tailored solutions that help you achieve homeownership with confidence and peace of mind.
Whether you're buying, refinancing, or investing, we take the time to understand your objectives and tailor a home loan solution that aligns with your short and long-term goals.
We compare a wide range of loans from our panel of trusted lenders to find the one that offers the best value, features, and flexibility for your situation.
We handle the paperwork, coordinate with the lender, and manage the process from start to finish—making your home loan journey as smooth and stress-free as possible.
From interest rates and offset accounts to break fees and redraw facilities, we explain every detail so you know exactly what you're getting.
If you're looking to refinance for a better rate or restructure to unlock equity, we provide expert guidance to ensure it’s the right move financially.
We stay by your side throughout the entire process, from application to approval and settlement—keeping you informed and supported at every step.
My wife and I were referred to Renee and her team by a friend just to see where the starting point would be in buying our forever home. We were shocked with amazing news that we were already so close to where we needed to be. As first home buyers we knew nothing of the process but Renee walked us through each step with patience, humour and understanding. Within a few months we were moving in to our forever home in what was such a smooth and stressless process. Thanks for everything Renee and team!
Japhia M
Whether you’re upgrading, downsizing, or simply looking for a better home loan, it’s normal to have questions like: “How much can I borrow?”, “What will my repayments be?” and “How much stamp duty do I need to pay?”
A great place to start is with these simple, easy-to-use calculators:
While a 20% deposit is often recommended to avoid Lender’s Mortgage Insurance (LMI), and to secure a better interest rate, it’s not always necessary. LMI protects lenders in case you can’t meet repayments, or the property is sold for less than the loan balance.
An alternative is using a guarantor – typically a family member who can secure your loan with their property as collateral. This can allow you to bypass LMI and even secure a no-deposit loan.
Or if eligible, using the Government Guarantee Scheme, which does require you having a 5% deposit.
Contact us to explore your options.
Both fixed and variable rates have advantages and disadvantages.
A variable rate adjusts with market conditions, meaning your repayments may fluctuate as the rate can increase and decrease. A variable rate allows you to make additional repayments (including lump sum deposits) without restrictions. It also offers interest saving features like redraw and offset.
A fixed rate remains consistent for an agreed term, offering predictability and stability. These loans can come with early break costs and restrictions on how much extra you can repay during the fixed period.
The right choice depends on your financial goals and preference. We’re here to help you decide what’s best for your situation.
Pre-approval is granted by a lender before you purchase a property. It provides an idea of how much you can borrow from that lender, allowing you to confidently enter home buying negotiations.
Unconditional approval, is granted after you have signed a home contract and submitted all required documents to the lender. This is the finance Approval.
Not always. Your personal circumstances may be very strong – great employment, high deposit and terrific credit score. You might be a lenders dream customer and therefore obtaining a home loan will be a quick process. Alternatively, your individual scenario might require more attention, you might have fluctuating income, blended family, centrelink income, or an imperfect credit file.
In some cases we do recommend obtaining pre-approval before you start house hunting. We will determine best steps for your circumstances, to make your home buying journey successful.
Not always. Your personal circumstances may be very strong – great employment, high deposit and terrific credit score. You might be a lenders dream customer and therefore obtaining a home loan will be a quick process. Alternatively, your individual scenario might require more attention, you might have fluctuating income, blended family, centrelink income, or an imperfect credit file.
In some cases we do recommend obtaining pre-approval before you start house hunting. We will determine best steps for your circumstances, to make your home buying journey successful.
When you’re ready to take the next step, we’re here with expert advice and personalised support to guide you through your first home journey.
