Chat to the team here at RTBU Home Loans today and discover if you’re eligible on your next home loan. Terms & conditions apply.*
Over 160 years ago a small group of Victorian locomotive drivers got together and unionised their workplace causing a ripple effect across the country. Over the coming years, rail workers everywhere started to band together to protect themselves and their workmates.
In order to promote strength through solidarity, these groups then began to merge, ultimately resulting in what is today known as the as the Rail, Tram and Bus Union (RTBU) which proudly represents 35,000 workers across the rail industry and in public transport.
The RTBU is one of Australia’s oldest unions and has an extremely proud past. It is the union that was responsible for the 1912 Brisbane Tramway Strike, the 1917 Railways Strike in NSW, the 1969 Tramways Stike in VIC – all of which turned into massive general strikes across the whole of Australia, and which were the start of significant social change which has improved the lives of all Australians.
It is with this spirit of solidarity that we have partnered with Finsure to create ‘RTBU Home Loans’ to deliver RTBU Members, their family and friends support beyond the workplace and provide access to a panel of trusted Aussie lenders with some of the best home loan offers in the country.
The service is free for those who use it and when a loan is settled, the RTBU receives 20% of the Commission that the lender pays to Finsure – a commission which would have been paid anyway. This amount is then used for things like delegate training, fighting funds, political campaigning and other activities all of which directly improve the lives of RTBU Members and their families.
If you want to get a better deal on your home loan, you can trust RTBU Home Loans.
Our loans are built to suit borrowers from different circumstances. Get in touch with one of our home loan specialists today to find the solution that fits you.
Without working in the home loan space, it’s next to impossible to know what the latest deals are and if you qualify. Thankfully, you don’t have to worry about that – as an RTBU member, you have access to the RTBU Home Loan team, who will do the work for you, research your home loan options and present the one that is ideal for your needs.
Is it time to own your own home? Perhaps time to upgrade or change the scenery? Whether a purchase veteran or a first home buyer, we can help you. We know the ins and outs of property purchase and have deals with reputable lenders who we search through to source your ideal financial solution.
Its our job to help you research, supply paperwork and submit your application to the lender once we all feel confident. We then liaise with the lender for any further requirements like valuations or follow up paperwork which we continue right through to settlement to ensure you experience a supported and easy process.
Investment lending is a different space to standard residential lending and comes with its own set of intricacies.
We understand this can seem a bit complex, but we’re here to simplify the process for you. We will explain the differences between owner-occupied and investment products, we will help with the paperwork, research your options and help you to secure your ideal finance.
When was the last time you had a home loan health check? If it was any more than 6 months ago, your loan may no longer be your ideal fit. Think how much changes over time, job roles, wages, family size, age of family, outgoing costs…This is why it is important to ensure you have your ideal home loan.
With a sharp fit on your finance, you could pay your loan off sooner, avoid paying interest you don’t need to pay or cut those monthly repayments.
If it’s been a while since you had your loan looked at, we recommend getting in touch with one of our trusted team today.
Are you a first home buyer looking to step into the housing market? We understand there is a lot to consider, and we can help you navigate through it!
Here are some of the questions to consider:
Our loan specialists have helped many Australians secure their first home. We can also help you apply for a First Home Owner Grant, which allows Australians to get the funds they need to buy or build their first home. Reach out to us today to have all the questions answered!
*Terms and conditions, fees and charges apply.
Bank of Queensland Home Loan Special Owner Occupied P&I < 90% has 2 Year Fixed interest rate of 5.79% p.a. (comparison rate 6.42% p.a.). Minimum loan term of $150,000. Maximum loan term of $1,000,000. Maximum 90% LVR. Refinance option available. No redraw or offset is available. Settlement fee of $150 and Rate Lock Fee of $250 applies. For applications received from 16 February 2024. Maximum LVR up to 80%. Not available for Interest Only lending. Not available for the refinance or restructure of existing BOQ loans, construction home loans or Self-Managed Super Fund loans. Full terms and conditions available online at www.boq.com.au. Conditions, Criteria and Fees Apply. Information current as at 16 February 2024. Other fees and charge may apply. No interest only option available. Comparison rates are based on a secured loan of $150,000 over a term of 25 years. WARNING: This comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Rates & Fees displayed are starting from and are provided as an indication only. Information is correct at time of publishing and is subject to change. All fees exclude GST. All applications are subject to specific lending criteria.
Special limited time $2,000 cashback offer only available for new first home buyer owner occupier applications received from 6 November 2023 that settle within 120 days of the loan application date. This offer is open to Australian residents aged 18 and over who are personal applicants taking out a new home loan with BOQ to purchase their first home of an existing property or purchase of land and construction of a home. Minimum total new lending of at least $250,000. The loan is subject to the requirement to pay Lenders Mortgage Insurance. Not available for the refinance, restructure or switches of home loans within BOQ Group, which includes BOQ, BOQ Specialist, ME Bank and Virgin Money (Australia). An applicant will be eligible for a maximum of one first home buyer cashback payment, regardless of the number of loan applications they are party to, provided the total amount drawn at settlement across all loans is at least $250,000. The cashback will be paid to the applicant’s BOQ transaction account within 30 days of the settlement date. For multiple home loan applicants, the BOQ account needs to be in the name of at least one of the home loan applicants and the cashback will be paid only once to the applicants jointly. If you do not already have one, an eligible BOQ transaction account is required to be established. Offer current as at 6 November 2023. Applicants should seek their own tax advice in relation to the receipt of a cashback on settlement. Fees and charges payable. BOQ’s standard credit assessment criteria apply. Full home loan terms and conditions are available at any BOQ branch. The offer can be withdrawn or varied at any time.
Limited time offer available for new to bank lending applications received from 16 February 2024. Application must have a minimum loan amount of $150,000 and maximum Loan to Value Ratio (LVR) of 70%. Not available for refinance or restructure of existing BOQ Group loans (which includes BOQ, BOQ Specialist, ME Bank and Virgin Money (Australia)), construction home loans or self-managed super fund loans. Full terms and conditions available at any BOQ branch or online at www.boq.com.au. Conditions, Criteria and Fees apply.
Offer available for minimum $150,000 new to bank owner occupied lending only. For applications received from 16 February 2024. Maximum LVR up to 80%. Not available for Interest Only lending. Not available for the refinance or restructure of existing BOQ loans, construction home loans or Self-Managed Super Fund loans. Full terms and conditions available online at www.boq.com.au. Conditions, Criteria and Fees Apply. Information current as at 16 February 2024.
Conditions, criteria and fees apply. Full terms and conditions are available online or at any BOQ branch. Interest rates quoted are indicative only, and are subject to change without notice.
