About Us
“At RB Loans, we understand that financial decisions play a pivotal role in shaping your present and future. With this realisation, we have dedicated ourselves to becoming your trusted partner in navigating the
complex world of lending and financial solutions” We realise your dreams
Core values
01.
Honesty
We believe in transparent and open communication with our clients. Honesty forms the foundation of our interactions, ensuring that you receive accurate and trustworthy information throughout your financial journey
01.
Honesty
We believe in transparent and open communication with our clients. Honesty forms the foundation of our interactions, ensuring that you receive accurate and trustworthy information throughout your financial journey
02.
Thoroughness
We are dedicated to providing thorough and meticulous service. Every detail matters, and our commitment to thoroughness guarantees that your financial solutions are carefully tailored to your unique needs.
02.
Thoroughness
We are dedicated to providing thorough and meticulous service. Every detail matters, and our commitment to thoroughness guarantees that your financial solutions are carefully tailored to your unique needs.
03.
The Right Solution
Your financial well-being is our priority. We are committed to securing the right solution for your unique needs, ensuring that you receive optimal terms that align with your goals and aspirations.
03.
Best Rate Possible
Your financial well-being is our priority. We are committed to securing the best possible rates for you, ensuring that you receive optimal terms that align with your goals and aspirations.
Meet The Founder
Randa Boutros Director / Broker
With a remarkable tenure of over 10 years in the finance industry, Randa Boutros stands as a seasoned professional renowned for her exceptional expertise. Her journey in the field has been defined by an unwavering commitment to perfection, where her attention to detail is truly unparalleled. Randa's dedication extends beyond transactions; it's a commitment to empowering her clients through knowledge and sound advice. Her comprehensive approach to financial guidance reflects her genuine concern for the well-being of those she serves. Clients can rely on her to not only secure favorable terms but to also ensure that every detail aligns seamlessly with their unique finance goals.
Join The Team
- Securing a Lower Interest Rate for an overall Mortgage payment plan
- Shortening the Loan’s Term
- Converting Between Adjustable-Rate and Fixed-Rate Mortgages
faq
A: RB Loans is a mortgage brokerage service that acts as a middleman between borrowers and lenders. We guide you through the mortgage process, helping you find the right loan options and assisting with applications, negotiations, and settlement.
A: Refinancing allows you to replace your current mortgage with a new one, potentially lowering your interest rate, reducing monthly payments, or accessing cash from your home’s equity. RB Loans helps you explore these opportunities and guides you through the process.
A: LVR stands for Loan-to-Value Ratio. It’s a financial term used to express the proportion of a loan amount in relation to the appraised value of a property. In simple terms, it indicates how much of the property’s value you’re borrowing from a lender. For example, if the property is valued at $500,000 and you’re taking out a loan of $400,000, the LVR would be 80% (400,000/500,000).
A: The decision to opt for a fixed or variable rate mortgage is based on your financial situation and preferences:
Fixed Rate Mortgage: Offers stable monthly payments, protection from interest rate increases during the fixed term, and is suitable when rates are expected to rise.
Variable Rate Mortgage: Starts with lower interest rates, potentially lower initial payments, and can be advantageous when rates are stable or predicted to decrease.
Factors to consider:
- Risk tolerance
- Current and future financial situation
- Market conditions and interest rate trends
Consulting with a financial advisor can help you make the best decision for your circumstances. Remember that market predictions are challenging, and both options have their benefits and considerations. At RB Loans, we’re here to offer expert guidance tailored to your needs.
A: The maximum amount you can borrow for a mortgage is influenced by various factors, including your income, monthly expenses, credit history, down payment, and the lending policies of financial institutions.
Income and Expenses: Lenders consider your debt-to-income ratio to assess how much of your income can go towards mortgage payments. Total monthly debts, such as loans and credit cards, impact your borrowing capacity.
Credit History: A good credit score improves your eligibility for higher loan amounts and better terms.
Deposit: A larger deposit increases the loan amount you can qualify for, as it reduces the loan-to-value ratio (LVR).
Lending Policies: Different lenders have varying criteria. Some offer flexibility in debt-to-income ratios and credit scores, affecting your borrowing capacity.
Loan Type: The chosen mortgage type (fixed or variable) affects your maximum borrowing capacity.
Remember, pre-approval is not a final amount. Consult mortgage professionals to accurately determine your borrowing capacity and navigate the intricacies of the Australian mortgage industry. At RB Loans, our experts are here to assist you in securing a mortgage that suits your financial situation and goals.