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scarlton@rfsfinance.com.au
We are not immune to injury, nor illness

We are not immune to injury, nor illness

Risk Insurance

None of us are immune to injury, nor illness. It is easy to get into the mindset that 'it will never happen to me' but the reality is we have no way of forecasting or predicting life's sudden shifts. You have worked hard for your lifestyle and in the blink of an eye all of the safety and security you feel can be erased and replaced with stress, angst and financial struggle - for you and your family. Risk Insurance cannot prevent the cause, but it can certainly change the outcome.

At RFS we believe insurance is an essential part of your wealth creation plan. We offer a holistic service, providing tailored advice to suit your needs. For more information on risk insurance products click on the tabs to your left or contact us today.

Latest News

Are 40-year home loans the solution for desperate first-home buyers?
By General
Great Southern Bank has just announced a 40-year variable home loan product tailored to first-home buyers seeking lower monthly repayments. Per internal research at the customer-owned banking giant, 29% of Gen Zedders and Millennials would consider taking out a 40-year loan, as would 19% of Gen Xers, if it meant lower monthly repayments. Ask and ye shall receive – Great Southern Bank has made the products available to all Australian citizens aged between 18 and 40, for first-home buyer owner-occupiers only, at a maximum 90% LVR. Launching the product, Rolf Stromsoe, chief customer officer, said: "For some Australians having lower monthly repayments is the difference between renting and buying their first home. "This could be their 'starter home loan' – exactly what they need to get their foot in the door at the beginnings of their home ownership journey." read more
Home Renovations by the experts
By General
https://htw.com.au/wp-content/uploads/2025/09/HTW-Month-in-Review-Aug-2025-Residential.pdf
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BOQ Commercial
By General
BOQ has policies tailored to support small business clients, and we have made a number of changes to make it even more attractive for your clients. BOQ Specialist is a full-service bank, with over 30 years' experience, offering a broad range of personal and business products and services for medical, dental and veterinary professionals. Some examples include Accounting policy, BOQ Specialist offers tailored products specifically for accountants. Accounting case study: Existing accountant at a 6-partner firm was offered a 10% stake in the business with a purchase price of $950,000. Clients owned a residential property mortgaged to 90% with no equity available. The existing lender was able to assist but required the business to guarantee the debt, and the PPR tied in as secondary security. BOQ was able to lend the client $950,000 secured against his personal guarantee and the value of shares to be purchased, excluding the accounting practice and residential property. Simultaneously, BOQ refinanced the clients PPR up to 90% (no LMI).
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