Our Services
in Newcastle

Q: Which type of loan is right for me?

The right loan depends on your goals, financial situation and property plans. David will take the time to understand your needs and compare options across 40+ lenders to find the best fit, whether that is a home loan, investment loan, refinance or something else entirely.

Q: Can you help me with multiple loans at once?

Yes. Many clients work with David on multiple lending needs simultaneously, for example, refinancing an existing home loan while also setting up an investment loan. He can manage the entire process across multiple products and lenders to ensure everything is coordinated.

Q: What documents do I need to apply for a loan?

Typically you will need proof of identity (drivers licence, passport), proof of income (recent payslips, tax returns or business financials), bank statements (usually 3 months), details of existing debts, and a summary of your monthly expenses. David provides a clear checklist and guides you through exactly what is needed.

Q: How long does it take to get approved?

Conditional approval typically takes 3-5 business days, with full (unconditional) approval usually within 1-2 weeks after all documents and valuations are complete. Timeframes vary by lender and complexity. David works to ensure your application is as complete as possible upfront to avoid delays.

Q: Is there any cost to use your services?

No. David's mortgage broking service is completely free to you. He is paid a commission by the lender when your loan settles. You get expert advice, access to 40+ lenders and full application management, at no charge.

Q: What if I have been declined by a bank?

Being declined by one lender does not mean all doors are closed. Different lenders have different criteria, and David has access to specialist lenders who may be able to help. He can review why you were declined and explore alternative options tailored to your situation.

Q: Do you handle SMSF lending?

Yes. David can help with Self-Managed Super Fund (SMSF) lending for property investment. SMSF loans have specific requirements and not all lenders offer them, so having a broker who understands the process is particularly valuable. He works with specialist SMSF lenders to find competitive options.

Q: Can you help with refinancing existing loans?

Absolutely. Refinancing is one of the most common reasons clients come to David. Whether you want a better rate, to access equity, consolidate debts or change loan features, he can compare your current loan against the market and show you exactly what you could save.

With access to over 40 lenders, David provides a comprehensive range of finance solutions tailored to your goals, all at no cost to you.

Get a Free Consultation 0417 676 191

Comprehensive Finance Solutions

At Rebus Finance, we believe that finding the right loan should be simple, transparent, and stress-free. As an independent mortgage broker based in Newcastle, David compares options from over 40 lenders to find the solution that genuinely fits your situation, whether you’re buying your first home, refinancing for a better rate, or expanding your investment portfolio.

Our service is completely free to you. We’re paid by the lender, so you get expert advice and access to competitive rates without any out-of-pocket cost. From the initial consultation through to settlement and beyond, we manage every step and keep you informed along the way.

How Can We Help?

Home Loans

Compare rates from over 40 lenders to find the right home loan for your situation. We handle the paperwork and negotiate on your behalf.

First Home Buyers

Expert guidance through every step of buying your first property, including grants, stamp duty concessions, and lender requirements.

Refinancing

Switch to a better rate, consolidate debts, or access equity in your home. We’ll crunch the numbers to make sure it’s worth it.

Investment Loans

Build your property portfolio with structured lending that maximises tax benefits and aligns with your investment strategy.

SMSF Lending

Use your self-managed super fund to invest in property. We navigate the complex compliance requirements on your behalf.

Construction Loans

Progressive drawdown finance for building your dream home, from land purchase through to completion of construction.

Commercial Loans

Business and commercial property funding solutions, from purchasing premises to expanding operations with the right finance.

Vehicle & Asset Finance

Competitive finance for cars, trucks, equipment, and business assets. We compare options to find the best deal for you.

Personal Loans

Flexible personal loans for renovations, holidays, weddings, or any purpose. Fixed or variable rates to suit your budget.

Debt Consolidation

Simplify multiple debts into one manageable repayment. We’ll help you reduce interest costs and regain financial control.

How It Works

Getting started is simple. Here’s what to expect when you work with Rebus Finance.

Free Consultation

We start with a no-obligation chat to understand your goals, financial situation, and what you’re looking to achieve. This can be over the phone, via video call, or in person.

Lender Comparison

David compares options from over 40 lenders to find the products that best match your needs, considering rates, features, fees, and approval likelihood.

Application & Approval

We prepare and submit your application, handle all the paperwork, and liaise with the lender on your behalf to keep things moving smoothly.

Settlement

Once approved, we coordinate settlement and make sure everything is in order. We stay in touch afterwards to ensure your loan continues to work for you.

Frequently Asked Questions

Which type of loan is right for me?

Can you help me with multiple loans at once?

What documents do I need to apply for a loan?

How long does it take to get approved?

Is there any cost to use your services?

What if I have been declined by a bank?

Do you handle SMSF lending?

Can you help with refinancing existing loans?

Ready to Get Started?

Book a free, no-obligation consultation with David to discuss your finance needs.

Get in Touch 0417 676 191

Our Servicesin Newcastle