We have used Justin twice now and he is amazing! He takes the time to understand you and your needs. He presents multiple options and goes through things in language that makes sense to a job financial brain. Thank you again!

It is difficult to capture how supportive, invested and efficient Jan is. From initial discussions to completed transactions Jan is an active partner with her clients ensuring complete transparency of information and a willing assistant to maximise understanding and guidance.

A vision made simple.

Robert and I were a couple who wished to purchase our first home. We had trawled the internet searching for that elusive dream home that fell within our budget. This part was both exciting and simple as we sat for hours discussing what we wanted in a 'home'.

The day came when we found all that we were looking for, however the excitement was short lived as we realised that we had no idea how to proceed from here.

Fate played a hand that day, as Robert was given the number of a Finance Broker who had assisted a friend to purchase his first home. So began the relationship with Jan.

A situation which could have been extremely stressful and potentially full of disappointment, became organised and exciting once again. Jan is both brilliant and personable in her profession. Jan's communication with her clientele is second to none. We were informed throughout the process of any and all information pertaining to the purchase of our "dream".

Jan worked tirelessly on the task of obtaining a home loan for us, often after the general population had retired for the evening and before others started their day. I was reassured after each setback that there was always another avenue to try. Not once during this process did I ever consider the possibly of trying another broker. In fact Jan was so wonderful, I looked forward to the phone calls even if they weren't as positive as I wished.

Needless to say Jan achieved the almost impossible for us and we were proud home owners.

After the purchase of this home, Jan continued to periodically contact us to provide information on the world of finance and to 'catch up'.

When Robert and I were looking at purchasing another property there was only ever one option, and that was to call Jan. Once again Jan astounded me with her professionalism, communication and determination to achieve the best result for her clients.

If we hadn't had the pleasure of being introduced to Jan, I don't believe we would be the proud owners of two houses (currently).

Jan Wilson is not only a brilliant broker, who will go above and beyond for her clientele, she is also our friend. We highly recommend her services to anyone looking to make the process of purchasing their first home, or investing in multiple properties an enjoyable endeavor.

Lawrence was very patient with me as a single first home buyer. I walked into this process with no knowledge or experience, but I was never made to feel like my questions were stupid and I was kept up to date at all times which was extremely comforting. I will definitely be recommending Lawrence to my friends and returning to him for any future property purchases I make.

Luke and Taya are very helpful , prompt and have unlimited finance knowledge. I do recommend RFS to every body that are looking to borrow money or require advise. Thanks again Luke & Taya for all your assistance.

He is at the top of his game well informed & he has a wide range of options to assist you in securing the best loan. He will always answer his phone & if he is in meetings will always acknowledge your call & return the enquiry in a timely manner.

Taya had great knowledge and expertise of products and was very supportive throughout the entire process.

Michael made refinancing my home loan so easy. He has a great knowledge of the current loan products and was able to explain how they compared and what I might need to consider in choosing a loan. Nothing was too much trouble - from meeting with me at home, to answering lots of questions and guiding me to complete paperwork. Michael was recommended to me by a friend and I'll definitely be recommending him to others.

Cristina was fantastic to deal with from the first phone call. She was helpful and knowledgeable and made the process smoother and easier for us. It was nice to know we were in capable hands!

John went above and beyond during a very difficult and deadline dependent finance period. He even drove mortgage documents between locations to ensure the finance got over the line.

David is very responsive, gets to know you, helps to achieve what you want its not about what he can get from you. David is approachable in the sense that he is respectful and listens to your needs and offers helpful information and guidance throughout the process. David responds to all queries very promptly and does what he can from his end to make sure things happen. I am very please with Davids service and would highly recommend his expertise to anyone. As first home buyers/builders my husband and I had no idea what we were getting into let alone the financial side of things, David walked us through step by step providing all of the information needed so that we understood.

We had Michael advise us on our first home loan together - that was 4 years ago. We are exceptionally happy with his knowledge of products and his service. Because of this, we had Michael visit us again, 6 months ago, to advise on an extension to our loan so that we could renovate. We've also recommended Michael to my parents who he has also helped with his advice.

Lawrence was excellent. He gave us reliable information after we had received bad advice from another bank, was very thorough and worked his magic to get us the best deal - he relieved a lot of stress as we knew we could trust him.

Have used Michael's services for over 20 yrs. He is very professional, listens to your needs & wants & finds you the best options. I would highly recommend his services.

What a wonderful, painless refinancing experience I have had and all thanks to Taya. She certainly knows her stuff and I knew I was in good hands from the get go. Always available, always professional and always responded immediately. Don't look anywhere else people, you have found it in RFS Finance.

Lawrence was very knowledgeable and guided me through my complex home loan application. I really appreciated the step by step approach he took to keep me involved in a very complex case. Thanks!

Brett is always wonderful to deal with, can't recommend his services enough.

Dealing with Jan from RFS has been a pleasurable experience. Her knowledge and ability to help at all stages of our investment property purchase has been most impressive. I have already recommended her to my son who similarly is impressed. Thanks again.

Thanks Taya for making the task of refinancing 4 loans not so daunting or complicated. You answer my questions so that I can understand and also give me the opportunity to have the time to understand the process - as it takes me a little while for it to sink in. I cannot keep up with the changes in the industry , nor do i have a head for it. However I thank you for having our interests at heart.

Willing to go above and beyond. On top of any issues and took action immediately.

David was extremely helpful and patient at all times, without his knowledge and experience our path would have been extremely complicated, he really smoothed the way forward to a perfect outcome for us.

Christine went above and beyond to get my loan processed under difficult circumstances, kept me updated and was always available for questions.

Couldn't thank Lawrence enough for his work ethic and professionalism. Kept us up to date with all processes.

We were having a hard time getting the right finance for our project and some of the others we tried couldn't help us with our vision but David listened and offered affordable solutions. We have already recommend David and RFS to friends who are also very happy. A big thank you from us.

John and his team did a fantastic job with our first home buying experience. Made the whole process extremely easy and got through all documents and approvals very quickly. I would 100% recommend John and the team for and first home buyers and refinances.

I would strongly recommend Justin to provide financial advice I found him highly knowledgeable and trustworthy in his field. My involvement was at times difficult and not straight forward but through excellent communication and persistence I gained approval . Justin's follow up procedures enabled a relatively stress free process. I would definitely use Justin again

Lawrence has helped me, again! Valuable advice, straight to the point, super available and a genuine caring person. This is the second property loan I settled thanks to Lawrence. Another will follow. Thankyou, again.

Efficiency, experience, on top of his game & respect for his clients is only but a few words that come to mind, especially if you are in remote areas such as myself, no longer in cities due to work committments nothing is to hard. I truly cannot recommend a better broker, he is so helpful aware of your needs, takes that extra time to invest in his clients no matter how big or small a client he treats you 100 percent like a very valued client.

Cristina has assisted me in securing two mortgages in the last two year. I appreciate how each time Cristina take the time to consider my circumstances to find the best product available. It is clear that Cristina truly loves to help others and takes the time to tailor each solution for the best result.

David made the whole loan application process relatively easy given the multitude of paperwork now required by the banks since the tightening of their policies. He kept us up to date with the approval process at all times and delivered what he promised. First class service.

We have had a very long relationship with Taya, over various restructures, house purchases and investments. Taya shows great attention to detail. She is well versed in product options; patient with us and the banks; and is able to pull together documentation that captures the complexity of our investment portfolio. Her services have saved us a lot of interest payments over time, and are highly recommended.

After being let down by the "big" banks, Lawrence was referred to us by another satisfied customer. Upon our first meeting it was clear that Lawrence was extremely knowledgeable and spent time to find out the best way to refinance our loans. Within a month we had completed the move to a much better interest rate and have the comfort in knowing that regularly he will continue to ensure he will re-evaluate to be in the best position.

Justin from get go understood our position, financial needs and was able to tailor a package that worked for us. We where really pleased with the effort and follow up to get our loan over the line. Thanks Justin

Since I met Shannon in 2021, I have always felt supported and that no question is a dumb question. She is always there to listen and help when I have needed her. I have never thought she wasn't on my team and she always gets the best deals for us. I wouldn't trust anyone else to help me with these BIG life choices and decisions.

Brett gave continual updates on progress of information, professional advice and personal guidance.

He is friendly & so pleasant consistently, no matter how long between phone calls & requirements making you feel its okay to ask lots of questions when helping you invest in your future, only to pleased to assist you, he goes above and beyond. Michael is truly aware of your individual needs & on top of his game across all products. I highly recommend a tried & true process and if there is ever a valued Broker to call then its with total pleasure I recommend calling Michael. I thank you for all you do Michael.

Absolutely amazing in every step of the journey. Excellent communication.

I have used Michael twice now he has been excellent each time

Very personal service. Extremely helpful and works really hard for clients. Got me a great deal

Michael listened to my needs and due to my age 62 he managed to find the right loan for me

David has helped me purchase a few properties now and the service is fantastic keeping us up to date through the whole process even when the banks are asking for information that they already have.

Lawrence is an excellent mortgage broker. We have worked with him for all of our purchases and refinancing. He always gets us the best rate, does all the hard ground work for us and makes sure we are kept up to date every step of the way. I would highly recommend Lawrence if you are looking for a friendly, professional and experienced mortgage broker who takes the time to get you what you need.

I can confirm David Walker would have to be the best finance broker ever.

I have known John Benke since 2001. He helped me arrange finance for the purchase of my business and since then numerous residential properties. I found him to be a consummate professional in all our dealings. He has been quick, sharp and "on the ball" in all these transactions. I have recommended John to all my friends and relatives and in each case they sing his praises. I have no hesitation whatsoever in recommending John to anyone that needs help in arranging finance.

Fantastic service for both my business and personal finances. Fast results, and nothing was too big of a task.

Shannon is extremely easy to deal with, in what can be a very challenging time. She will provide you expert advise and help ensure you make the right decision for your situation. Throughout the process I was kept informed and felt at ease knowing Shannon was carefully managing the overall process.

Michael has just finalised our second refinance of our home loan and we've been very pleased with his work on both occasions. We will continue to use Michael for all of our broking needs and don't hesitate to recommend him to our family and friends (or anyone who will listen!). He's fantastic - thanks again for all your help and making the process as stress-free as possible Michael!

I have been self employed for more than 20 years and have been unsatisfied with the service and advice from insurance advisors over that time. I decided to take better control of my situation by finding someone I could trust and rely on.

John came highly recommended by a business associate so I asked him to review my risk insurance needs.

He has a great attention to detail, taking me through my current cover and explaining what I have and what I don't. I realized that not all Risk Insurance is the same as John explained to me the insurance definitions in simple terms so that I could make an informed decision.

I am now comfortable with both the cover and premiums that John has established for me, and I call that peace of mind.

Thank you, John.

Having Michael organising our refinancing made our life so easy. He always got back to us with every step ensuring we understood everything. I would recommend Michael for all your financing and refinancing needs . Michael always finds the best deals for you.

Engaging John to help purchase our first house was one of the best decisions we made. After familiarising himself with our financial position he was able to seemlessly explain the in and outs of the process and enabled us land our first home in less than a month.

My experience with Brett has always been of exceptional quality and I have been using his services for almost 20 years.

Michael goes over and above with is usually required to help a clients. He makes the whole process mush smoother than if you were to try and tackle the finance side of things yourself.

Mike found us a loan that suited our needs when we weren't even sure we would qualify for approval. I would recommend anybody trying to enter the property market call Mike, regardless of their position.

A vision made simple.

Jan is both brilliant and personable in her profession and her communication with her clientele is second to none. She worked tirelessly on the task of obtaining our first home loan for us, and kept us well informed throughout the process of any and all information pertaining to the purchase of our "dream".

Jan achieved the almost impossible for us and after the purchase of our first home, she continued to periodically contact us to provide information on the world of finance and to 'catch up'. We have since used Jan in purchasing another property and she has once again astounded me with her professionalism, communication and determination to achieve the best result for her clients.

We highly recommend her services to anyone looking to make the process of purchasing their first home, or investing in multiple properties an enjoyable endeavour.

I loved working with Jan, I felt like I really had someone in my corner to help navigate the complexity- Thank you!

From start to finish David helped me achieve my goal of purchasing my first home

John Langley is a fantastic broker who has mastered the art of listening and explaining. We have used John 3 times now and will certainly use him again. In what are usually big and scary decisions, John puts your mind at ease with the right information at the right time. Thankyou John - see you next time!

Taya has acted as our broker for a number of years. She is well informed about the various offers available and is experienced in dealing with multiple banks to creatively get the best outcomes for her clients. I happily recommend her to various colleagues and friends.

Shannon did all the hard work with the banks and regularly updated us all the way thru the process .couldn't ask for more awesome job

Taya is a very professional finance person. Taya has helped me and my adult daughter re housing finances. I want to recommended her totally. I am happy to answer any questions re Taya at any time.

David is knowledgeable and easy to talk to. This is my first time using a broker and David was prompt when responding to my many questions. Thank you for helping us get our dream home.

A very competent reliable and trustworthy broker who delivers an excellent service.

Luke and Taya are very helpful , prompt and have unlimited finance knowledge. I do recommend RFS to every body that are looking to borrow money or require advise. Thanks again Luke & Taya for all your assistance.

Brett is a lovely guy and very professional in his approach but also very easy to deal with. I couldn't recommend his services highly enough.

John has provided my wife and I with Superannuation and Retirement advice. He explains complex things in ways that are easy to understand and in a professional manner. We have peace of mind with the decisions we have made which have provided some certainty around our income in retirement.

Shannon is fantastic and easy to deal with. She knows her product and gets the deal done.

It was a pleasure dealing with Justin. He made what can be a stressful process simple. I would highly recommend.

Shannon was excellent to deal with, she made my refinance process easy. Shannon returned my calls and emails very promptly and always kept me up to date throughout the whole process. I would recommend Shannon to my family and friends.

David has been very professional and helpful in helping my wife and I to get our loans for our new house and Land. And I wouldn't hesitate in recommending him to anyone who requires help in getting finance.

Michael has helped us purchase two properties. In three years, he was strategic and helpful. Thank you mate

Thank you Steve,

We really appreciate your help during the last couple of years. As this is the second time through with a mortgage, I have the utmost faith in you and the team that supports you.

We would recommend you to anyone looking for a mortgage broker.

Jan is amazing. So knowledgeable and able to provide you with solutions for your mortgage needs. Love working with her

Michael's knowledge of the industry is Second to none. No request is too hard for him and he has now got two tricky mortgage applications across the line for me. Would definitely recommend him to others!

Chatting to my daughter earlier in the year she was telling me about a gentleman from RFS Finance (Lawrence Morandin), as he helped her and her partner acquire their first home. She said that he was very professional, the process was extremely stress free and easy to deal with so when my time came around for me to wanting to change over my car, needless to say I thought I'd best I give him a call.

Jan goes above and beyond to ensure the best product suits our needs. Would definitely recommend Jan.

I have known David Walker for more than eleven years and back then he helped me with setting up my initial first home buyers mortgage and more recently with refinancing as my situation had changed. He is a personable and very professional broker who put real effort into understanding my financial needs. I would recommend David to anyone how requires the services of a finance broker.

Lawrence was so organized and helpful during the entire process, I will be using him and his company for future endeavors and advice.

It has been a pleasure to deal with Lawrence again for our refinancing process. Lawrence demonstrates an excellent understanding of the industry and explained the process in an easy to understand manner.

Shannon does a great job and goes above and beyond for her clients.

Great service, good communication strong negotiation skills excellent follow up

I have known Gavin for nearly 10 years and over that period of time, Gavin has been my Finance Broker and has secured Finance for me for more that 6 properties over that period of time.

Gavin is well experienced, and has an expert knowledge of the market within the 'World of Finance'. He has up-to-date knowledge of all the current deals and options available from the all the Lending Institutions, not only the major Banks. Gavin Carlson was able to secure us the best deals possible that would not have otherwise been available to us walking into a Bank seeking a loan. Gavin has assisted us in every way possible, and on nearly every occasion when we have sought his professional advice, he has gone well and truly above and beyond expectations to help us with the complexities filling in Forms, amassing all the necessary paperwork for loan applications and even assisted as necessary to ensure that Settlement is achieved when problems arose.

Sometimes in the Finance Industry, boundaries can be a little clouded, but Gavin Carlson has always been very honest, trustworthy, and is a very hard working Finance Broker who will do his best to seek the most appropriate and best deal possible for your circumstances. I have absolutely no hesitation in recommending Gavin Carlson as a Broker to anyone seeking Finance

Gregory Wimsett

We have worked with Shannon twice now which in it's self speaks volumes of our trust in her service. We would not hesitate to recommend Shannon for home financing needs.

Thank you Michael for your patience and understanding of my situation. It was a more lengthy process due to my personal circumstances. Thanks so much for helping me re-finance. Such a huge weight lifted from my shoulders. I will certainly recommend your services to friends and family.

Jan delivers an excellent and very professional service. She has a great awareness of the various lenders in the market and the pros and cons of each. Our exchanges were open and honest leading to a feeling of trust.

Working with Brett took the confusion our of mortgage options. He was comprehensive in his research and presented the options in an easy to understand way taking into account my needs.

Easiest and most efficient person to deal with in getting the job done while adding a personal and family based relationship, making us feel very comfortable in all business transactions. Highly recommend David and team.

From the moment Cristina and I touched base via the phone, she was professional and friendly and very efficient. The whole process of obtaining the loan was completely stress free and Cristina was there every step of the way.

I consider you a huge part of my success - you may think I'm being mushy but its true! You were there when I made the decision to really make my life my own - you were always so supportive of my fast paced slightly crazy ideas, and I loved the stories you shared about your life. Thanks for sharing these stories - they made me believe it was possible. I think I should look at buying houses more often just so I have an excuse to call you!

We were having a hard time getting the right finance for our project and some of the others we tried couldn't help us with our vision but David listened and offered affordable solutions. We have already recommend David and RFS to friends who are also very happy. A big thank you from us.

Great broker, found him very knowledgeable and hugely responsive in navigating very tough timeframes and deal structure but got it over the line for us.

David makes the whole process so easy ... As easy as walking up to an ATM to get money out, he really goes above and beyond.

John is an absolute legend to work with. He goes above and beyond to get the right loan and make our hard restrictions possible. We have really made John work hard to get our finance over the line but he kept trying and never gave up. We regularly use John and have done for years now with all our properties and I am so thankful we have him working with us and getting us what we need and want, no matter what. Couldn't recommend John any higher!

Shannon was great to work with. She is super friendly reliable and will always get you the best deal possible. I will absolutely be using her again for any of my financial aid needs.

Lawrence was a pleasure to work with. He was clear and transparent and thoroughly explained how he works. He took the time to answer our questions and help us understand every part of the process. He found us a very competitive loan that suited all our needs, and made the paperwork and the transition easy. Highly recommended.

We would like to thank Helen for the amazing service provided. She responded to all questions we asked no matter how small they were or what time of day. We found Helens service very efficient and friendly and would give my highest recommendation to anyone. We will definitely be coming to Helen in the future in regards to any financial enquiries

I highly recommend Darren for any financing needs. He'd worked endlessly with my husband and I (Fiancé at the time) to get us into our first home. My husband is self-employed and we struggled for years trying to get a mortgage, Darren showed his expertise and got us the mortgage we wanted and through the lender we preferred. Will be using Darren for all future financing needs and will be recommending all my family, friends and work colleagues use him also.

John went above and beyond to ensure that we had all knowledge and information required to make the right decision. John was always readily available and even offered his thoughts on the buying process. This was comforting at a very stressful time.

John has provided our family an outstanding service for the past 8 years. John goes over and above to ensure we have the most suitable financial products. I would strongly recommend utilising Johns expertise to assist you with any financial matter.

Lawrence has a great knowledge of mortgage applications, applying this knowledge to provide a tailored solution to our particular scenario. I would highly recommend him to anyone!

I would recommend Brett to anyone who asked. Throughout the whole process of my home loan, from the very beginning to the settlement date, he provided excellent service, maintained communication throughout and answered every question i had in great detail. This made everything so much easier and the process stress free for myself as a first home buyer.

David and the team at RFS Finance understood what we needed, explained the process, organized the finance and even though we are states apart he has kept us informed at every step along the way. With his help we have been able to realise our dream of building a new home with no stress. We never thought we would use a mortgage broker but after our dealings with David we would definitely do it again.

Brett provided wonderful service.

Very quick to reply, and very helpful when it comes to finding out more information to understand things better.

Lawrence's service has been invaluable to us. He's always been readily available for any questions of concerns we've had when buying our first home. The ease of communication really gave us peace of mind throughout the process.

Michael was an absolute joy to work with, not only was he able to get us a much better deal and refinance so we were saving money he made the difficult process so much easier. He was the one who answered the calls when things were delayed or went wrong and did everything he could do on his end to sort it all out. Would absolutely recommend his services to everyone!

Michael is the best broker that we have used. He provided exceptional service. He was courteous, polite and professional. We found him very friendly and knowledgeable about products and services. We have referred him to family members.

Taya goes beyond your expectations - THANKYOU 15/10 service.

I have known Shannon for the past five years and have dealt with her in the capacity of finance broker.

I utilise Shannon's services for both business and personal finance and also refer Shannon to our associates for both business and personal finance. Shannon acts professionally and with integrity in all transactions she deals with.

Cristina has been wonderful! As a first home buyer, Cristina has made the whole process simple and stress free. Although I had some teething issues with property valuations and stalling with my bank, Cristina was always there to provide support, extensive knowledge and can always explain things in ways I can understand. I will definitely go back to Cristina for assistance if I need another loan or financial advise!

Michael was fantastic on communication, on such a timely manner! We were told by a previous broker that we wouldn't have a chance on getting a loan for a few years. Got referred to Micheal & got approved for a house loan within 3 weeks!

Open, honest, friendly, transparent and efficient service that got me the product I needed in the time frame I required. Thank you for everything.

I found the service and advice I received from David to be most helpful He kept me informed during the the process of the loan application.He also Followed thru till the very end. I am so thankful that he was there to help me

David is always available extremely thorough and keeps you well informed of your possible success in short he is very good at what he does and that is organising finance.

My wife and I had the pleasure of being referred to Shannon seeking finance for our new forever home. From start to finish she kept us informed and answered any questions asked. Her positive attitude and knowledge keep you at ease through the whole process. I would use Shannon's services again and recommend her to anyone wanting to finance.

Lawrence has been fantastic with helping me refinance. I was referred to him, and he did the research to see if we might be able to get a better rate before proceeding which was comfortable and nice. He ended up saving me a fortune on my home loan! What a legend.

Shannon is amazing! I have used her service multiple times when selling and buying properties and have always felt well supported and in safe hands. Kept me updated through every stage, and was always warm and friendly to talk with. She is genuine and personable while maintaining a profession feel. Highly recommend

We having been obtaining Michael's service for many years for buying and refinancing property. Michael gives us choices with excellent advice, takes the leg work out of it for us, is professional and really approachable for any questions. Highly recommend this service for lending.

Brett made the entire experience of arranging a new mortgage extremely easy and painless in a friendly and professional manner. I would recommend his services to anyone needing advice in this regard.

So easy to talk to. Made herself available to suit me to sign things. Went above and beyond to ensure it all happened with in strict times frames. Just amazing. Thank you

Cristina has been so great with helping me get through my application process. Her patience with me as we navigate through not only my first home but also building my first home has been exceptional. Her service has been super personalised and I really appreciate how much support I have had. I have already recommended her to so many people.

Shannon, thank you for yet again being absolutely AMAZING! From beginning to end, each time I engage you for your financial knowledge and services you are consistently professional and go above and beyond. Being an extremely time-poor business woman, your customer focus and personalized approach make the lending process quick and easy for me.

Shannon, Thank you so much with all of your time and patience while trying to find the right mortgage for us and taking away the hassle of dealing with the banks!

Brett was wonderful, I couldn't rate him highly enough.

I found Shannon Michell a very professional person and easy to get along with. She explains everything so easy for you to understand.

David was a great help in every way possible. He not only secured the loan I was chasing, but did so in a manner than meant I didn't have to deal with the stress that goes with it. Communication was excellent .. and I wouldn't hesitate in using his services again.

When our home loan application was rejected by one bank Shannon quickly and without fuss organised another bank which was approved in a couple of days . Thanks Shannon for all you're help

Jan gave great service and was contactable when I needed her. Very easy to chat to and have me the best options. I have used her many times.

We could not have bought and sold our houses in such a timely manner with John working out the finance for us. John was able to troubleshoot every issue and kept us informed all the way. Thanks so much John for such superb service.

Dave was attentive and communicated well which made the process easy.

I have found Michael extremely easy to deal with loan application ..process ..settlement. Found him honest, trustworthy person.

Lawrence made the process of getting a mortgage super easy and not confusing at all. He was happy to answer all questions we had. He kept us informed during the whole process so there were no surprises to us. He was fully transparent when explaining everything to us. I couldn't recommended Lawrence anymore I will be going back to Lawrence for any future mortgage or home loan enquires.

Great service. Good response time. Listens to the clients.

So caring and personal- plus a never say die attitude! I feel like you were really looking after me, keeping me informed at every step - much appreciated!

My wife and I did not tick ANY of the boxes that financial institutions look for in hopeful loan applicants. Janice Wilson was the miracle we were praying for to help us overcome every hurdle that was put in front of us. We are so thankful for the experience, professionalism and perseverance shown every step of the way. We are now renovating our little 'fixeruppa' and keeping a family property for generations to come! Thank you for everything Jan!!

We first used David's services about seven years ago when our previous mortgage broker went out of business. We have now used David's services on three occasions to improve the value to our home and most recently to refinance our mortgage with another bank to take advantage of a better interest rate. David has done a great job on all occasions making the lending process easy. Thanks David

My husband and I contacted Taya about refinancing our home loan and we amazed at how quickly she was able to provide us with options taking into consideration our personal circumstances. There was no pressure from her to pick a particular option and once we had made our choice within hours she had the loan application filled out and sent back to us to review and provide required documents ie, payslips. Once she had all the information she forwarded it to the lender. There was no stress in the application stage and we didn't need to spend our time filling out paperwork.

Taya would work weekends, late nights and early mornings, responding to our emails and following up things for us.

We have recommended her to several of our friends and would not hesitate to recommend her to anyone and also use her again.

Outstanding service.

Lawrence went above and beyond to make sure we had all the information and were comfortable with the progress every step of the way.

Michael was genuinely interested in understanding my requirement and assisted in detail with each step of the application process. For a first time home buyer, it is the best scenario to expect.

RFS Finance has provided me with the opportunity to complete my financial separation on time and without their great service and expertise I could not have qualified for my refinance. This has helped me through a very difficult time and given me my new start. Many thanks to the RFS team

Michael from RFS Finance not only did an amazing job finding us the right home loan as first home buyers, but 12 months later went above and beyond to ensure we got a great package when refinancing for renovations. We have, and will continue to recommend Michael & RFS to everyone.

Jan was without doubt the person I needed to help me through a difficult time. She understood exactly what I needed and acted immediately to put things in place for me. Most importantly to me she took the stress and emotion out of sorting my finances and securing me both a home loan and personal loan that was affordable for me. I will never be able to thank Jan enough and would highly recommend her services. They are priceless. I look forward to working with Jan into the future.

I could not have asked more of Michel during this process, he understood my needs was incredibly responsive and owned the process end to end and ultimately made this process easy for me

Outstanding service and always willing to help with things you don't quite understand. Very easy to talk to and understanding to your needs.

Excellent experience working with Michael on a re-finance. He made everything easy to understand, and provided a great product and outstanding service. He knows the market inside out, and is able to make a complex process hassle-free.

Taya is an awesome mortgage broker. She takes the time to listen and understand your needs. No issue or problem is to large or small, and happy to adjust to your changing needs. Taya has the attention to detail to ensure the whole process goes smoothly and ensures you aren't kept in the loop for the journey. Once it is all sorted, Taya is always happy to provide support and advice.

Exceptional product knowledge, professionalism and great communication made the whole process very easy.

We found Matt very approachable and personable. He guided us through the process of getting our new home loan completed. Given our circumstances were a little more complicated than the norm Matt was patient and alert to our requirements throughout the various processes involved. We would recommend Matt to anyone who is looking for a hands on partner to guide them through any lending or financial processes. Thanks for all your assistance Matt.

I was really impressed with how Shannon assisted with my finance application and I would not hesitate to untilise her services again and recommend her to my personal and professional network.

Jan from RFS was amazing throughout our pre approval and settlement period. She kept us informed and the whole process flowed smoothly.

Your persistence and perseverance to find a suitable loan after many knock backs was really appreciated. It was also great having you visit for the signing of the documents. Great service!

Absolutely amazing service and communication, highly recommend Shannon will refer to everyone.

Good thing about David when you need assistance he is always there for you. Puts in the hard yards.

John showed a great understanding of the market and the changes that were occurring. He helped us time our applications perfectly so we got the best result in the end.

Luke & Taya provide a customer focused brokerage service that provided for our needs.

Michael is very dedicated to his profession and has a great understanding of the financial field. He is prompt on service and keeps the client up to date with every process of the application. Great person to deal with, and has helped me secure my financial needs over the years.

Working with Taya has made the whole process of increasing our loan a lot less stressful. It was a complex situation but she looked at all avenues and negotiated with the bank on our behalf until we had a positive outcome. One initial phone call and she had ordered a valuation immediately to give us our best options for moving forward. This is the 2nd time we have used Taya and I wouldn't think about using anyone else in the future.

I have been a client of Michael's since 2004. What impresses me with Michael is his natural ability to always provide myself with every option available to best suit my needs in regard to home loans, going above & beyond. Michael's display of dedication towards his clients is extraordinary he's truly genuine & constantly pleasant, wanting the best for his clients.

Absolutely Brilliant! Friendly and Courteous in our dealings and provides the best options on not only personal needs but financial interests.

Dave was knowledgable and really helped us through the financing maze and directed us to a product that was much more suitable to our needs.

Shannon is a great finance broker! She made buying our first home as smooth as possible with all the options and information provided. Her responses are speedy and she doesn't treat you just as a number, she treats you as a person which is what you need when the whole process can become stressful.

We were recommended John by a real estate agent when we were keen to buy a property. He was extremely available and accommodating, kept us up to date and provided a great service. We'd recommend and definitely use again.

You always go above and beyond to help us, thank you! The bank and builder did not make your life easy but you did an amazing job getting everyone what they wanted.

Our loan settlement period was fairly tight given it happened over the Christmas holiday period. Everything happened without hitch. We were very happy with the way RFS Finance handled everything.

Shannon was a fantastic broker in helping us secure our first loan, and first property. She answered our many, many questions throughout the process and was very easy to get hold of, always responding promptly. Highly recommend Shannon!

From the outset I was very appreciative of all the time and assistance provided by Lawrence. He was personal but professional, & understood my needs whilst guiding me through the process of purchasing my first property. He is the right balance of conservative, realistic & kind. I've already given his details to others as I cannot recommend him more!

On behalf of Richard and myself I would like to take the opportunity on the completion of settlement of our new home to acknowledge the contribution of Jan Wilson. As a family we have engaged Jan's services over many years from financial restructuring, mortgage brokering and general counsel with regard to financial packages that suit our individual circumstances.

Justin was very professional and a prompt communicator, any time we emailed to clarify certain aspect through the process, he promptly responded with in-depth knowledge and expertise.

Very friendly, excellent service, approachable, prompt & highly recommended.

Lawrence goes the extra mile to listen and understand your needs.

Refinancing our home loan was easy and cost no more than if I had undertaken all the "leg work" myself.

John has helped a few times now with refinancing my home loans and provides excellent service. He lays out different options with details and makes it really easy to compare and select.

Michael is "A" Plus with his broker skills, we have been working with him for over 6 years. He will give you a true assessment of what you want to achieve, he does not give you a false sense of hope that the Bank is going to grant the loan. My Wife and I would recommend Michael and his team to anyone looking for financial help, discussions or want the best money can buy mortgage.

We found Lawrence very thorough and very patient answering all my questions. He understood our needs. Friendly and helpful service.

Justin provides excellent services and is happy to answer multiple questions that probably went into more depth than usual. Justin was able to ease my concerns and find a product tailored to my needs. Justin contacted me to see if I wanted him to check on the product quality he had previously provided me with and as a result I am now on a better deal.

Taya's speed of service impressed me the most, I felt like I was her only customer. She took every call (or called me back soon after missing my call - I believe she was even on annual leave with her family during one of my calls and yet she still took my call and made me feel important). I was also at ease, knowing just how thorough she is with gathering the necessary data to put my case forward to financial institutions for consideration. I have asked Taya to Broker for me in the past and I will ask her again in the future - I highly recommend Taya. I live interstate and felt very comfortable with her on-line servicing and telephone communication - distance was no issue every time and finance was always approved on time (I never needed to ask for an extension).

Taya was so helpful with my loan for my house as it took several months and hurdles to jump but Taya chased up everything she could do to make it as smooth as possible.

I recommend John to my family and friends. In my experience, John is knowledgable, patient and a great communicator. He understood my requirements before I could even articulate them, and he helped me with each step of the process. Thank you for helping me to buy my first home, John!

I felt completely confident having Taya find me a suitable and competitive loan to purchase our first home.

John is great to deal with in all aspects through buying and selling. We have used John before and are more than happy with his service and have referred him to friends as well.

Michael was great to work with, clear and concise with his recommendations, patient and responsive with all my questions and genuine with his advice.

I'd highly recommend Jan as a mortgage broker. I hadn't used a broker previously and I found Jan's advice and assistance throughout the process invaluable. The whole experience was quite painless and very smooth. Thanks Jan!

I have never used a broker before and Justin was extremely helpful, not pushy and very re-assuring. I was going through a very stressful period and Justin was patient but quick when I was ready to act. He talked me through all the options and listened to my needs and concerns. Thank you Justin I am very happy with the outcome.

Jan Wilson is nothing short of a superstar. She has worked tirelessly — yet always cheerfully! — to get me and my family the best deal on our mortgage and saved us tens of thousands of dollars in the process.

The world of media can be an uncertain place but Jan is someone you can always rely on because she actually cares. She's right down to earth and is always there as an adviser and a friend.

I don't normally endorse businesses or products but Jan is one exception I am delighted to make because she is so genuine, honest and devoted — rare qualities in any profession. She constantly goes above and beyond the call of duty and has gone into bat for us even when we didn't ask her to.

In fact she didn't even ask me to write this but I wanted to because other couples and families trying to get their first home in such a tough environment could benefit and save so much thanks to her wisdom and her grit. If it's Jan versus the banks I'd put my money on Jan any day of the week.

I can't recommend her highly enough.

Jan is exceptional I was always kept up to date with everything and the overall process was really enjoyable and never stressed out thanks so much.

Justin was amazing right from the start. Justin made sure that we understood the process and gave us all the time required to make an informed decision. Justin was flexible to our work commitments. Justin was knowledgeable and was able to guide us appropriately through the whole journey, which was important to us as first home buyers. The information that was sent to us was easy to navigate and understand. We would 100% work with Justin again and recommend to others. Thanks again mate.

Justin your help was exceptional. We wouldn't have made it this far without your help. Your encouragement from our initial encounter helped us believe we could do it

Shannon made the finance process easy to understand and was contactable at all times. I highly recommend her.

I have recently used Michael McDonough to assist me with the purchase of a new Unit. Michael has the ability to be able to explain things to you in laymans term and it all makes sense. He kept me in the loop all the way through, often pre empting my next question which I found extremely comforting. He also has an amazing memory for recall and knows his products inside and out. I would thoroughly recommend Michael to anyone wanting to have a seamless and enjoyable Lending experience. I will certainly be using him again.

John was instrumental to the success simultaneous settlements and refinancing. We are impressed by his commitment to ensuring our success. I would not hesitate in recommending John Langley to assist you with your financing needs.

Finding a lender in this current market is never easy. We did not have the best credit rating but we could not wait any longer to get into the next house. We got our first house through David and we trusted his services with this one. All options were put on the table in order for us to make an informed decision. David was able to get us finance for house and we couldn't be any happier. We will 100% recommend to family and friends.

Shannon was amazing from start to finish, explained absolutely everything, was very punctual with everything and always kept us updated. She helped us every step of the way and really did most of the work involved. We were nervous going into this but she made it so simple and smooth, and continues to be so helpful even after settlement. thanks so much Shannon!!! She came highly recommended to us and glad we took the advice and would very highly recommend her to anyone needing finance.

I found Michael McDonough to be very easy to talk to with a very calming and professional attitude. There was not your typical fast talking, pushy, overbearing advisor. Given my circumstances and challenges in obtaining finance, one big challenge being being on the pension Michael McDonough delivered the perfect home loan through one of the major banks. I believe that you could only achieve this with excellent knowledge, experience, professionalism and understanding your clients circumstances and needs. A huge thank you to Michael McDonough.

One word - perfect. So approachable. Can talk any time. Knows her product well.

Can't recommend Justin highly enough. He is extremely informative and attentive to his clients needs. We are repeat clients and will happily continue using his services

We are extremely impressed with the friendly service and prompt response to any questions that we had. The options provided to us were above any of our expectations and were helpful in making the right decision based on our needs.

I cannot recommend Taya's service highly enough. She takes the time to listen and understand what you are after, and then responds in timely fashion with the options that suit your particular need the best. She always actively does as much as possible to ensure you do least as possible. Taya makes sure you are aware of the progress at all times, and will go above and beyond when lenders become difficult, over-officious or inefficient. Taya has now re-financed my investment property loan three times and I always can trust that I will get a friendly and cheerful ear and a top notch service as well.

Thanks Taya for making the task of refinancing 4 loans not so daunting or complicated. You answer my questions so that I can understand and also give me the opportunity to have the time to understand the process - as it takes me a little while for it to sink in. I cannot keep up with the changes in the industry , nor do i have a head for it. However I thank you for having our interests at heart.

Michael is excellent to work with and provides great advice and first class customer service. He kept me up to date during the whole loans process and made the process very easy. I'd recommend Michael to everyone for all financial services.

Lawrence has done several loan's for us, but the latest one showed us how amazing he is. After the refinance was cancelled by the banks at the last minute, due to their error, Lawrence battled tirelessly to ensure it happened. This occurred at personal cost to him, and was all done without complaint. Love working with Lawrence.

Right from the start, the interaction with Shannon was stress free, efficient, and professional Hands down the best experiences I have had with a broker or bank.

I was recommended to use your services (RFS Finances) by very happy family members, who believe you are the best in this business and I was not disappointed. I very much appreciated that you were more than happy to meet or chat at any time to discuss any concerns that I had, which was extremely important when I needed an answer to my financial queries. Thank you for taking out the stress of finding a home loan that best suited my financial situation, therefore giving me the confidence to go ahead with this exciting new phase of building a brand new home. Many, many thanks,

I found the service that Michael provided was stress free. He provided details and figures from our first telephone call that put my mind at ease. He was always prompt when I had any queries relating to the loan etc. He went through all the paperwork and came out to my home to go through these. I would and am recommending him to family and friends

Michael was very friendly and efficient throughout the process of buying our first home. There were many terms and steps I did not know and Michael explained these along the way. He was always willing to have a phone call when I had a question or concern about the process. Definitely recommend!

We have used Lawrence now for many years. He is always very thorough with our financial needs. I would recommend Lawrence to anyone looking for a finance broker.

This was my second property purchased with Michael's professional help. He made it a smooth process during a stressful time which allowed me to focus on other important things. He knows his product and the real estate market very well.

This is our 3rd purchase, Justin being our broker for the 3 properties. Justin 's services are exceptional. He is knowledgeable, gives prompt advices and feedback and is easy to work with. Thank you Justin for your professionalism. Highly recommended.

I was a first home buyer looking to get into the market. Justin helped me every step of the way to find me the best option for what I was looking for. He explained everything in detail so it was easy to understand and was always contactable if I ever had any questions. I will be recommending him to anyone I know who is looking for a broker.

Michael's attention to detail, constant communication, and extremely quick turnaround of all matters or enquiries was incredible and very much appreciated. It was an extremely smooth process and I felt very well supported and considered throughout. Michael is the best at his job and his service cannot be faulted. He came with great recommendation and I have since happily recommended him to others. 10/10 service!

Justin has been super great to deal with! This is the 2nd time we have used him. Justin has the experience and knowledge to fulfil our needs, making it an easy process. I am most impressed with how quickly he will respond to my questions with a good answer. Doing so, really helps us feel confident in our decisions throughout our home loan application process and in choosing the right lender for us. We will be calling Justin as soon as our fixed home loan ends to shop around again. Although, he will no doubt contact us first, which works for us!

Very thorough and professional.

Great to deal with and helped me every step of the way.

Michael was able to understand what I was needing, he advised me what I could and couldn't afford. At many times through this purchase and my last he was the voice of reason and was able to show me by doing things a certain way I could save money and still have my dream.

Excellent service would highly recommend RFS Finance to anyone looking to secure a home loan.

From the beginning of the process Shannon was fantastic. She was able to guide me in making some very tough decisions and I always felt supported during the process. Shannon constantly followed up with the bank to ensure my deadlines were met. For what is usually a stressful experience, it was very simple.

Shannon is a pleasure to deal with during the whole process. She worked hard to get us the finance we needed and kept a us ahead of any possible delays by making sure we had all the information and documentation completed even before the lender asked for it.

It is with great pleasure that as a Client of Michael's since 2004, also 3rd time home owner recently, that I tell you about Michael McDonough. Through personal experience, I cannot speak more highly of Michael. He is quite an extraordinary gentleman who goes above & beyond helping you obtain all your requirements in acheiving your goals with your home loan or banking requirements or what ever your requireing.

Taya has been a wonderful support to me over many years, working on getting the best deals for our loans and timely refreshes as the market changes.

John's friendly and calm manner was very refreshing in a somewhat stressful process. His knowledge of financial institutions, and options provided were key to a successful outcome.

David is very good to deal with and goes out of his way to ensure quailty of service and meetings at convent locations to me. I would highly recommed David to others

From start to finish, John and his team were exceptional. Communication to advisement and understanding of my needs where met at every step of the way.

I am 60 years old and was told I'd never get enough of a loan to purchase property. Brett provided me with many options and after only 1 rejection, he managed to secure me the right loan for my needs.

David has become a friend through 23 years of Mortgage Service to my wife and I. We really look forward to the in-home reviews and loan prep and delivery. David is polite, knowledgeable, friendly and a true Professional at providing Mortgage Solutions.

I was very impressed with the service Michael had provided. He is very good at responding quickly and getting all the information you request.

Michael has always communicated very efficiently with us and his product knowledge is great.

Cristina always goes above and beyond to assist us with our financial needs to ensure we get the best deals and rates. She is always friendly, upfront, honest and to the point with advising us.

My wife and I were very happy with the service that was provided from David Walker at RFS Finance, we had some very high demands regarding our deadline of the property we were purchasing and David and his staff worked above and beyond the expectation and we got our loan in time and approved. A huge thank you and would highly recommend your services to anyone.

Shannon went above and beyond to finalise my loan during the Covid pandemic. In a world of uncertainty she remained calm and focused. Highly recommend Shannon.

What a refreshing experience it was to deal with Brett – RFS Finance.

We had been declined by our existing Bank to purchase our dream, which was when the Real Estate Agent highly recommended Brett to us. If we had known of Brett's experience, expertise and service we would have definitely gone to see him originally and saved ourselves a lot of time and stress.

Thanks to Brett we managed to obtain a loan which was far better than our existing Bank could offer anyway. Brett made himself available to us at short notice, assisted with all the paperwork and kept us informed of developments at all stages of the loan application process, and through to settlement.

We feel that it is the people that make these services worthwhile, and we would certainly recommend Brett to anyone wishing for financial assistance.

Finance is a rocky road, but David makes it smooth sailing. To his credit, he personliazes his service to your needs, uses plain English and keeps you always informed.

Thank you Lawrence Morandin for your professionalism and knowledge in helping us get a great deal when refinancing our home loan. We very much appreciated your effective communication and detailed explanation of each of the steps involved, and your regular updates and check-ins as to the progress of the loan. We would have no hesitation in recommending you and plan to use your services again in the very near future.

From the begining of the process Shannon was fantastic. She was able to guide me in making some very tough decisions and I always felt supported during the process. Shannon constantly followed up with the bank to ensure my deadlines were met. For what is usually a stressful experience, it was very simple. I was so pleased with the service Shannon provided I used her services with a smaller loan, again was extremely seamless and sorted with a very quick turn around. Shannon is extremely friendly and very easy to talk to. I would recommend Shannon to anyone.

Shannon was amazing every step of our journey. From selling our house to the purchase and settlement of our new house. She managed many bumps in the road along the way and was so supportive. Would recommend to everyone. One in a million!

Cristina made everything very easy to understand for someone not very familiar with the complexities of banking

Michael is extremely competent at what he does and I would recommend his services to anyone.

We would have been lost in the sea of home loans and finance without Shannon. She is friendly, personable and cares about you and your situation. We really felt like Shannon was on our side. Thank you!

David has been my personal finance broker for over 10 years and has arranged multiple finance situations for me. David is always professional, has great knowledge of the industry and products and makes things so simple. I would never use anyone else for my finance needs and would recommend his advice to anyone requiring financial services.

I have used Taya for several loans now and wouldn't consider using anyone else. She knows her job and goes out of her way to get me the best deal and ensure my needs are met. Taya turns a stressful event into a manageable experience allowing me to focus on the more exciting aspects of buying a house. Thanks Taya for another successful loan application.

Brett has acted as our broker on many occasions, from business loans to mortgages on our homes. Integrity and professionalism are his hallmarks. Highly recommended.

Micheal was absolutely fantastic and so helpful in stepping my partner and I through the finance process of our mortgage. Put my mind at ease of all the things I was nervous about. Would highly recommend his services to anyone needing to sort out any financial needs.

Michael's friendly and professional approach instilled confidence and made my mortgage negotiation seamless. He regularly updated me about the progress of the loan and assisted with all the document requirements. This is the second time I have worked with Michael and will be happy to continue the association.

I highly recommend David and the team at RFS. Being a single mother of 4, I thought I had no hope of getting a home loan. David took all the stress out of my hands and secured me a home loan. All I had to do was provide the paperwork when requested. My home is currently getting built.

David has helped me purchase a few properties now and the service is fantastic keeping us up to date through the whole process even when the banks are asking for information that they already have.

Always kept me up to date with the status of the loan and where things were at. Great service and helped me save Thousands on my Home Loan.

Shannon provided the best service and we have used her the past 3 times for loans and we have passed on to many people and they are very happy with the service

I would just like to convey my appreciation for the tremendous service you provided in refinancing my home loan. I found right throughout the process you were most helpful in answering my questions and giving me detail on what my best options were. I would have no hesitation in recommending you to my family and friends.

Whenever I need a similar service in the future, you will be the first person I call.

Again, many thanks.

John was fantastic. Not only did he arrange approval when our bank could not, but he negotiated a great rate and enabled us to buy our family home. Our situation was not straight forward but John took the time to explain everything to the bank and this made all the difference. We have been back to John to finance a car with the same great result. We recommend him to anyone looking for finance. John has become our trusted friend and we speak to him before we make any decisions regarding finance.

Do yourself and family a favour and utilise the skills and knowledge that Shannon can bring to your next financial transaction. Great customer service, and excellent communication throughout the whole process.

I have used David's services on several occasions when arranging my home loans, and I highly commend his vast industry knowledge, large scope of very competitive loan providers, and ability and expertise to take care of everything with the greatest of ease, from our first meeting to work out borrowing potential, through to settlement of the property. If you are in the market for a home loan or financial advice, talk to David Walker.

I recommend this service to everyone. Professional, collaborative, world of knowledge and contacts. Refinanced one house and purchased a unit - saved so much money that in two years I hope to do the same with Michael's help!

Darren is very detailed-oriented with all the work he obtains and produced fantastic results for our company. We have and would highly recommend Darren for all your finance needs.

I live interstate from Taya and she has processed a few different type of loans for me up until now - they have all been over the internet and via phone calls. None have ever been an issue (even before the pandemic). Taya goes above and beyond to explain all the components of the process and keeps me informed the whole time. I would highly recommend Taya and will contact her again in the future, should there be a need for financial services.

Shannon exceeded all my expectations, absolute pleasure to deal with. Highly recommend

We really felt like you were trying to get the best deal for us and took all of our needs into consideration when doing so. We were always kept updated and given multiple options/products to choose from. It was such an easy process - we would highly recommend you to our family and friends.

When it came to finance and professional advice and service, David was able to cater to my requirements with an open and honest approach.

Jan is absolutely amazing at what she does, never ceases to surprise in her ability to make things happen and get the best possible outcome for us.

We think you are fabulous. Thank you for always being someone we can confidently work through our personal finances with knowing you will be relentless in finding the best and most responsible lending solution to keep our long term goals on track.

Shannon was one of the best parts of buying a house. She understood what I needed and recommended a range of products to suit my needs. Her communication was absolutely perfect. She was professional, friendly and knowledgeable. I highly recommend using Shannon!

Very happy with Daves professional services provided. He is very honest and trustworthy.

Thank you very much Lawrence for helping me navigate a complex loan application process at a time when many others were refinancing. You kept me in the loop and on task and achieved a great outcome for me.

I can't commend Luke & Taya highly enough for the service they provided myself and my fiancé during our recent property purchase. Everything went smoothly from the moment we had our first conversation, each point was explained clearly and calmly so that we understood exactly what the process involved. They helped us look at our budgets for personal expenses, household expenses and ongoing costs to ensure that we were not overestimating our comfort level when we made an offer on a property, and were clear on what our parameters should be in order to be realistic. All of our options were then given to us in terms of best loans from each of the lenders and a full non biased explanation of how each option would work for us.

Once the application was made they kept in communication every step of the way and got us the result we wanted in a short time with no stress!

I would not hesitate in recommending Luke & Taya to anyone looking for fantastic product knowledge, a wealth of experience and outstanding customer service.

We could not have asked for a better broker in such a difficult time of increasing interest rates, the instability of the global economy and the reluctance of banks to extend mortgages in a volatile market. David was knowledgeable, and made sure to discuss all of our options to ensure we were able to meet our financial needs. Within a matter of days of reaching out to David, he had obtained our financial records, and met with us at our house to discuss our needs. David had obtained finance pre-approval within 2 weeks, after we had been informed by our former broker that it would not be possible. Our new house build is happening because of David and his support.

Michael has been assisting me with my financing needs for many years. They haven't always been straight forward but Micheal has always given me great advice. He has smoothed the paperwork and followed applications right to the end, intervening if things are going slow. He is accessible, honest and reliable. He's even pulled a few rabbits out of the hat when needed! I can't overstate how helpful he is and would whole heartedly recommend him.

Shannon went above and beyond to assist with our loan applications even spending endless hours on the phone to the bank when they created unnecessary delays to ensure that settlement happened on time.

Luke & Taya provide a customer focused brokerage service that provided for our needs.

Michael is a personal financial advisor, reliable and trustworthy. He has the knowledge and is dedicated to ensure your satisfaction. He did a great job for me and I would highly recommend him.

Jan is the best broker I have ever dealt with. She knows numbers, banks and how to get the best deal, but she also human, understands different circumstances and does not judge. She is truly a wonderful human being.

Cristina was wonderful to deal with. She guided me through my first major finance approval expertly and achieved the desired result.

Shannon is the one you want working on your behalf to secure a loan. Very, very satisfied with her professional service.

Michael has helped us out on a few occasions. He takes the time to understand our monetary needs and works hard to find the best deal for us. He is very punctual and is very good at keeping us updated - even when the update is that there is no update. I would happily recommend him to a friend!

Justin went above and beyond with our house purchase. We were informed along the way and felt that we were getting the best loan for us.

My refinance would not have occured without the prompt service and tirless effort of Christina, thus saving my family house and finances. Thanks a million!

We had a great experience with Brett and would highly recommend him. He made what is often a stressful experience, very easy and straight forward. Very happy with the process and the outcome.

Michael had a total understanding of my Financial needs and delivered exactly what I needed to secure the next stage of my life.

I had such trouble getting a loan for my first home until I was recommended to Shannon. She made the journey simple, fast and exciting. I was starting to think that buying my first property was nothing but stressful. Shannon changed my opinion. She was extremely professional and explained all the details at each stage of the process. I would recommend her to anyone, especially those that were like me, looking for their first home. Thanks Shannon, you were awesome.

I am more than happy to refer my clients to Michael as well as using him for my personal finance. I am confident he will take good care of them and provide the best service in the industry.

Shannon was there for me from the beginning to the end, and remained a delight to work with throughout the entire process of applying for my home loan. Her friendliness and helpfulness are unwavering, and I can't imagine a better service.

Highly recommend John's services. He is very thorough, knows the best options who is trustworthy - not just looking to sign up the next deal. We have used John's services for 13 years and have always been very happy with the results he has achieved for us.

Personally I feel so grateful to be his client also impressed with how he continues to be the very best that he is. I will always continue to be his client I couldn't recommend a better Broker, Michael thankyou for all you do & all you stand for nothing is to hard & how you ensure the best for clients is incredible.

Michael McDonough and his RFS team have consistently provided us with excellent advice and service for over a decade. Michael is always the first person we contact when considering property purchases and financial services. He is easy to deal with and looks after us well.

What perseverance and commitment into not only helping us get a loan but the right one as well. We weren't in a favourable position to get a loan but Justin always remained optimistic from the start and took us through options and lead us through variables... Right time, right place- we bought our dream home! Can't thank Justin enough for always being so positive!

Jan has our complete confidence in guiding our financial decisions and will continue to have into the future. Not only can we not recommend Jan highly enough we would never contemplate seeking brokerage from anyone else. Jan offers her clients a rare traditional, personalised relationship with high end contemporary and competitive information – the perfect mix.

Qualifying for a home loan would not have been possible without Shannon's help, and I can't thank her enough for the tremendous amount of perseverance and personal commitment she gave so that I now have a place to call my own!

From the first call I knew we'd be in great hands. We had attempted doing this complex things ourselves however John found a much smarter way forward. We got everything we wanted and John made the entire process easy.

Shannon was so lovely to deal with and helped us with our every need. We have no idea about of this stuff and without Shannon we would not have been able to do this process on our own!

He his bright & cheerful no matter how much time has elapsed - incredibly helpful this is one of his exceptional qualities he truly maintains outstanding communications with Banks & clients like me no matter where you fit in the mix.

I started using Gavin Carlson from RFS about 18 months ago for my business Solutions 4 Cleaning. Our business was at a point where we needed to grow and Gavin has helped us through the process. He looked at our financial position and started to provide realistic advice on what we needed to do to ensure that when we needed to take the necessary steps we were ready. Sure enough about 2 months later we needed our first van and because Gavin had everything ready to go we were able to have all the boxes ticked within a day. Gavin has recently helped us finance our second business vehicle. Next step – re-finance our home loan.

Thanks Gav, it's nice to have one less thing to worry about as well as receiving proactive and realistic advice on what we need to do to keep moving forward.

David provides great friendly one on one service always getting the best deal for his clients

Balancing busy full time jobs with family life was making it difficult for us to look at our finances and investigate our options when we wanted to buy our first investment property. Lawrence made that process so simple. Lawrence works with us, doing the hard work and presenting us with our options. Nothing is ever too much trouble, we are well informed, have all our questions answered and have been empowered to made great choices. Thanks Lawrence.

David was great to work with. He was on top of everything throughout our process. Communication was very professional. I would highly recommend David & his team!!

We worked with Jan for a number of months as we sold our house and looked to repurchase. Jan's timely advice, excellent communication and tailored finance solution allowed us to make a quick offer and purchase with confidence. We would define recommend Jan if you want professional , friendly and hard working advice and support when seeking finance.

Lawrence, Just wanted to extend my thanks to you for your very professional assistance in our recent re-financing process. You have certainly made what can appear, a fairly daunting and stressful process, a result which we are very happy with! Will obviously recommend you to anyone I know looking to go through a similar process.

Mike was outstanding. As first home buyers both my wife and myself were nervous and uneducated about the process. Mike made everything so easy and explained every step with great detail. I don't know how we would have done it without him.

I have been a loyal customer of a bank for 25 years and during that time used them for all my financial needs i.e. Mortgage, credit cards and Insurance. I always managed my finances directly with the bank and being a CPA never used an external Finance Manager or business for advice.

A friend suggested that I contact John Benke from RFS Finance when he found out I was looking to buy a new house. At first I was sceptical and thought the whole process would cost me more time than benefit. I was already with a big four bank, what could RFS possible do for me? However I changed my mind when I found out John was an ex bank manager with over 30 years' experience.

Long story short - I just changed over to the another bank on a package that saved me $80,000 over the life of the loan compared to the best home loan product from my existing bank.

I am now getting John review my insurance and whole of finance.

Thanks

Sean O'Brien

CPA

I have known David for over 20 years and he has assisted me with many finance requirements over the years. His service is and always has been first class. A true professional, friendly and knowledgeable. I'd never go anywhere else and would recommend him to anyone requiring financial advice and support.

Absolutely everything you have done through out this process was beyond our expectations ! From the very initial conversation to the very final text message! Honestly there is no one else we would have ever rather have had handle this process for us. It was so smooth, your communication is next level, your friendliness and knowledge of what we needed and were looking for was awesome! Words can not describe how thankful we are for having you as our broker, you truly are amazing!

Michael has serviced multiple loans for me over the years, with continued professional & prompt service at all times.

David is approachable and friendly. He takes the time to answer any questions and actions the process efficiently. We have used David from RFS previously and he made the process clear and easy. Thank you

Shannon always goes out of her way to make sure we get the right product to meet our needs. She is always happy to assist with any requests. Thank you Shannon for all your help!

We love that everything is taken care of... all the reams of paperwork that need to be done are just handed to us, explained what each one is and we sign on the dotted line.... makes life so easy! And we know if ever we have a query or a problem, David is just an email or phone call away and we can have our answers and keep moving forward.

With Lawrence's help, refinancing our home loan is much less stressful. He ensures we have all our information prepared, provides us with the best options available to meet our needs and facilitates the process for us. Thanks Lawrence.

My dealings with Michael have been nothing but a positive experience. Michael is exceptionally professional, helpful, patient and thorough at his work. Michael clearly steps out the process and continuously keeps you updated. I would not hesitate to highly recommend Michael to others and would definitely call upon him again in the future.

David Walker from RFS Finance was very helpful and responsive on the phone and easy to contact via email. Distance was not a problem whatsoever. He was available at all times for any of my queries and to answer all of my questions. David gave me a choice of lender, but I stayed with my preferred bank.

David was experienced, knowledgeable, fantastic to deal with and even came to visit me in Shepparton, Victoria. Overall, David was amazing to work with, and being a first home buyer, he was there to help and guide me through every step of the way.

Many thanks David and RFS Finance.

Michael made the whole process of buying my first home so easy. He made the whole process as stress free as possible and provided a great range of knowledge while continuously providing me updates.

With Lawrence's help, refinancing our home loan is much less stressful. He ensures we have all our information prepared, provides us with the best options available to meet our needs and facilitates the process for us. Thanks Lawrence.

Fantastic! Could not have asked for a more thorough and competent service. Your courteous manner and keeping us well informed of each step was incredible. I would confidently recommend your service.

John was a pleasure front start to finish. He made our first home buying experience memorable in more ways than one. He went above and beyond every other finance broker. I will be 100% recommending John to family and friends. Thank you for your help for our new house.

David is excellent at finding a product that's right for you and very informative throughout the entire process!

David helped me with a refinance on my home which most banks wouldn't even look at. Dave made this happen so I could keep my house and couldn't have made it any easier. I'll definitely be using RFS finance in the future. Thanks again

Being a single mother I was unsure whether I would be edible for a home loan. David took all the stress out of my hand and dealt with everything on my behalf. I highly recommend him and will definitely deal with him again in the future . It was a great experience.

Justin went above and beyond to assist in getting our mortgage approved! He is extremely knowledgeable and always kept us informed through the whole process. Would highly recommend

Your assistance with looking into home loans over the last year and more recently with securing this loan is much appreciated. You've been a pleasure to work with, and I won't hesitate to recommend your services to anyone who's looking to get a loan.

Jan, You've been fantastic and helped me own my house

Thanks you so much for all of your help, you've seriously been amazing to us. We couldn't have asked for a better mortgage broker, you go above and beyond and I apprecaite it so much. If we have any friends who need a mortgage broker I'll be sending them your way.

John was fantastic to deal with right from the first call. John went above in beyond when we had an offer accepted and answered any questions we had in great detail and in a way that my wife and I could understand. I would highly recommend John to anyone in the market for refinancing or a new loan.

Could not thank Shannon enough, second time we have used her services and we will continue to do so.

John helped us secure our mortgage. He was incredibly tentative, efficient and professional throughout the process and kept us regularly updated. Due to Covid there were some complications and delays -John helped us navigate these complexities. We would thoroughly recommend his services.

Shannon's efficiency in my dealings was second to none and her ability to clearly explain the whole process made it completely hassle free. Shannon always took the time to inform me as every step was taken and could always be contacted when required.

My wife and I approached Helen Sloan to help us navigate our way through the maze of financial options to start building our new home. Helen was very patient and understanding of our situation, and provided us unlimited information with all available options. She also advocated for us during an extremely tight settlement period, particularly at a difficult time when the Builder and the Bank were unable to come to an agreement for approval (builder was demanding a late payment fee from us for not making the funds available to proceed with the building, while at the same time the bank was demanding additional documents from the builder to approve the funds). Helen handled the situation very well and negotiated with all parties in a timely manner to avoid any conflict, for the best interest of us as her customers.

We found Helen to be very flexible, approachable, friendly and knowledgeable. Helen didn't stop her services only after the loan approval, but continued to follow up and support us during the construction period. She helped make our financial journey to build our home a smooth one. All our dealings with Helen have been really professional, prompt and ethical.

Cristina, thank you for all your help! We couldn't have been happier with your service. We are so glad we found you! You were always there anytime something needed explaining. You listened and understood our needs and you found the perfect package!

Lawrence clearly understood what I wanted to achieve. Being extremely time poor with work and family commitments, it was reassuring to know I could leave all the organisation and set up with him to complete.

You go above and beyond for us and we are very grateful. There is no one who offers service like you do.

I was so pleased with the service Shannon provided I used her services with a smaller loan, again was extremely seamless and sorted with a very quick turn around. Shannon is extremely friendly and very easy to talk to. I would recommend Shannon to anyone.

David was amazing, he knew our portfolio well, found the perfect product for us and went above and beyond to resolve issues we were having with one of the institutions which were treating us poorly. all in all another wonderful experience with David and RFS Finance. We wouldn't use any other broking service.

I've used John twice now for the two properties I've purchased over the years and have been blown away both times. His professionalism and attention to detail are second to none. His steadfast customer service is second to none and ability to reassure a successful outcome simply based off his knowledge of the industry resonated with me greatly. Would recommend John Langley to anyone.

Justin provided an amazing service, we're really grateful and appreciate you taking the time to educate us and keep us informed in every step of the way.

My wife and I found Lawrence to be highly efficient in all aspects of our financial needs. Would definitely recommend your services to family and friends.

Working with Brett on getting the loan on my first house was a painless, well explained and straight forward process. Brett eased my concerns and guided me through the journey to get the best outcome possible.

I am so happy with the new home loan you have recently helped us apply for. Your advice and guidance has been excellent and look forward to doing more with you in the future!

Thank you so much Taya, I had initially approached a bank and they made it so difficult for me to borrow that I almost missed out on buying the property I wanted. Within days of approaching you, you had an offer on the table with better conditions. I cant thank you enough. I will be back soon as now I have some financial direction I will be looking to invest again.

David was exceptionally helpful. He explained everything to my partner and I who are first time buyers who, without David, would have been going in blind.

Thanks so much for your service and professionalism, much appreciated.

We will definitely recommend you to anyone requiring your service, you've been prompt with all our Enquiries, and easy to talk too.

David has not only been the most effective mortgage broker I have ever used, going out of his way to find the best arrangement for a less than straightforward property purchase, but he's become a good friend. I never hesitate to refer others to his service.

Shannon provided fantastic support to me in providing tailored solutions to a complex application that presented ongoing challenges. Her timely communication and contemporary knowledge of various products enabled me to achieve a great result in attaining the finance I required.

John's understanding of the products on the market and understanding what is best suited to us is exceptional.

Simple, prompt, accurate and always friendly service. David has looked after all my finance requirements for the past 15 years and I would recommend his service to everyone and wouldn't trust my financial affairs to anyone else.

Shannon is extremely knowledgeable and always had our best interests at the fore front of her mind through out the construction and mortgage process. She always made sure we were kept up to date with what was happening and why. She explains complex issues in easy to understand language and made us feel very comfortable. Do yourself a favour and let her assist you as she has done with us. You will not be disappointed!

Cristina's service was excellent and Cristina went above and beyond, and also kept us updated and informed at all times. I would recommend Cristina to anyone who needs to refinance.

John was an excellent broker. He explained things in a way that we could understand and was always in touch keeping us updated on what was happening. I am very glad to have had him as our broker and would have him again if I was buying another place. I'm very grateful that I was referred to him .

What most impressed me the most about Justin's service was his dedication to my journey. Our first conversation was months and months before I even put an offer in on a property. He was committed to helping, and answering my questions.

My partner and myself are looking to get into the housing market and I have no hesitation when that time comes that I'll be calling Lawrence.He is in touch with all the different financial institutions and works the best package that suits your needs and financial position.

I can't speak highly enough of David. Buying your first home is an exciting yet also daunting experience. I felt completely confident knowing David was working in our best interest. He really went above and beyond through the whole process!

Justin has an amazing commitment to his clients. His dedication to achieving your finance request is out of this world. I have no hesitation in recommending Justin to any person I meet who needs finance.

Our experience of working with Shannon has been exceptional, she goes above and beyond to answer your questions and ensure you have all of the information needed to make informed decisions. We would not hesitate to continue recommending her to friends and family.

RFS came highly recommended by a friend, after dealing with Justin I can see why. It would be a waste of my time looking anywhere else for future investments.

Excellent customer service Excellent communication Excellent transaction Excellent paper work

John was informative, friendly and very easy to contact. He helped enormously. The stress of buying a home would have been ten times worse without him!

It was a pleasure working with John. He went above and beyond to make sure every option was suited for me and my needs. When unexpected challenges came up his communication with me was outstanding. John made sure I was kept up to date every step of the way. This was my second time using John and I definitely will use him in the future.

David was great to deal with , very professional and helpful in getting us into our own house.

Shannon sorted a product that met our needs and wants... by understanding us and our individual situation. We have complete trust in the service she provides will be the best for us.

I was introduced to Michael from my partner who had used him as her mortgage broker over ten years ago. I found Michael so helpful and easy going. He knows his stuff and guided me through any obstacles I came across. Extremely helpful. Thank you Michael. Thanks again.

Shannon was amazing, friendly and quick to organise my loans. I really appreciated her effortless customer service, and kept me up to date. I didn't have to chase her to find out what was happening, as it was done so quickly and she told me what was going to happen. I'd recommend Shannon to all my family, friends, colleagues, or anyone that needed financing.

I was so nervous about the home loan process. This was my first house going solo. RFS finance helped me through this process and kept me informed the entire time. I seriously did not have to do one thing beyond the initial meeting. Fantastic service and attention to detail was second to none. Thank you again .

I find Taya to a very personable and professional person. Excellent service.

I would definitely recommend Shannon to my friends and clients and services just amazing keeping you informed from start to settlement. So friendly and goes that extra mile.

Great service and always tried to help however you could even when you were on holidays.

I would like to say thank you very much for helping us get into our home it was fantastic to see a person have so much passion and professionalism about there business.

Our circumstances are not straightforward. Christina was able to quickly eliminate lenders that would be an issue for us, and come up with a recommendation and achieving a very low interest rate. She also took the lead in putting pressure on the bank and solicitors to ensure settlement went through in a tight time frame. Christina also went above and beyond in assisting document certification and mortgage documents as we are very time poor. I have no hesitation in recommending her to anyone that is after a great finance deal.

John has continued clear communication, options presented for a way forward, and follow up to ensure resolution. John ensures all stakeholders know what is happening and the way forward. Our solicitor commented that John's communication and services were excellent.

Michael listened to what was important to me and found a new mortgage product that fitted me. I was very pleased with the results.

Excellent service. Always keeping us informed. Have already recommended to friends and family.

Justin was amazing. After being through multiple brokers before hand, and having had been messed around with, Justin understood what needed to be done, stuck to his word, kept my interest as his best interest, and not once let me down. 100% recommend Justin to anyone.

Matt is a great guy, east to talk to and explains things along the way of your application.

We wanted to refinance our home loan and Lawrence was able to secure us a lower home loan rate. His manner was always professional and he was always prompt to answer any of our questions.

Michael was amazing with helping us get our home loan. We were so impressed with the fact that he went above and beyond what others had done for us previously, and believe that without his help, we would never have been able to secure a home loan. Every step of the way he was there to assist us, and would happily answer any random questions that we had, no matter what time or day. We will definitely recommend Michael to others, and would not hesitate to utilise his services again in the future if and when the need arises. Thank-you Michael for all your help and hard work.

John was a very friendly understanding finance broker who fully comprehended our needs in buying a home within our budget. He was clear and thorough and acquired us a home loan within the stipulated time at a great rate and facilitated the process smoothly. I would gladly recommend John to my friends looking for financial services of any kind.

Great service no questions are dumb questions highly recommend A +++

I would highly recommend Jan Wilson as a broker to everyone. She made what can be a stressful time of refinancing a home Loan and also buying our first investment property a dream. You made it easy and stress free for us. We had a great outcome and are very happy.

Shannon has been fantastic and worked hard to assist in obtaining my dream home. I would recommend Shannon to anyone.

I have had several dealings with John and he has always kept me very well informed during the whole process. I would have no hesitation in recommending John to any of my Family, Friends or Colleagues.

My husband and I could not be happier with the assistance we have received from Cristina Liddle from RFS Finance. Her clarity, knowledge and precision to detail made the process of refinancing, smooth and hassle-free. We trust Cristina's advice and really enjoy working with her. We will definitely use Cristina again and highly recommend her.

I highly recommend Cristina for your financial needs. As a single mum I didn't think I would be able to achieve my dreams of building a house. Cristina has made this all possible by sourcing the best loan for my circumstances and made the process so easy for me. Nothing is too much trouble for her.

I have known Allan for over 20 years and he is always my first phone call when I have a query or changes to make with my home loan. Some of my friends and family have also used Allan's services and have all been very satisfied. It's great to know I can call a broker who has my interests at heart.

Approaching David for help with financing our first home in Australia proved to be a great step taken in the right direction. David has immense and accurate knowledge of the subject and the process. All along David has been very patient, kind, prompt, accurate and most importantly available. David, I consider it to be a privilege to be associated with you, pleasure doing business with you on this occasion, looking forward towards getting help from you in future as well. Thanks a lot.

Working with Shannon has been a wonderful experience. I would recommend Shannon to anyone looking to invest in a property. Shannon is friendly and professional, we couldn't have asked for more!

This is the third time I have engaged Michael's services and every time he has been amazing and made everything seamless. I could not recommend Michael more highly.

This was the third time I have had Brett help me restructure my mortgage financing and I'd never go to anyone else as he has been excellent to deal with throughout the entire process each time.

Highly recommended from start to finish you have been excellent and made this whole experience an easy one especially for first home buyers.

We first started seeking advice and support from Michael McDonough about 8 years ago after his service was strongly recommended to us by friends. To date Michael has supported us through two purchases, one sale and a couple of variations to existing loans.

Michael provides sound, non judgemental and patient financial advice; we would now not consider commencing a sale or purchase without his support. Michael helps us to see strategies we would have never known about or considered.

We totally appreciate that we have someone who knows us and our financial background; we never need to talk to total strangers at bank counters when making plans for our future.

We totally recommend Michael to anyone planning on making some adjustment to their financial situation.

Lawrence was a revelation. His personal and thorough service ensured we saved $ and found the right product. A game changer. Couldn't recommend highly enough.

David has been very professional and helpful in helping my wife and I to get our loans for our new house and Land. And I wouldn't hesitate in recommending him to anyone who requires help in getting finance.

David is friendly and courteous, his approach is professional and his service is second to none. We were selling, buying and building all at once so lots of elements and David handled them all exceptionally well.

Engaging John to help purchase our first house was one of the best decisions we made. After familiarising himself with our financial position he was able to seemlessly explain the in and outs of the process and enabled us land our first home in less than a month.

Shannon, as always your customer service, product knowledge, advice and helpfulness has meant I have been able to secure my investment loan.

Craig & I would like to thank-you for all your effort in helping us locate and purchase our car. We are over the moon with the deal you have given us not to mention the car itself. We would happily recommend you to our family and friends.

Thank-you also for the generous care package you sent!

We look forward to discussing our other finances with you in the future.