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Our Core Services

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At RCFS, we help people and businesses make smarter financial decisions. Whether you’re buying your first home, growing your property portfolio, or planning for the future, we’re here to give clear advice and practical solutions that actually work for you.

Sorting through all the loan options and financial products out there can be confusing — that’s where we step in. We’ll break it down, explain your options in plain English, and help you choose what’s best for your situation.

Here’s how we can help:

Financial Consulting

Sometimes you just need a plan that makes sense. Our financial consulting services give you a clear picture of your money, your goals, and the steps to get there. From budgeting and debt management to investment strategies and long-term planning, we’ll guide you every step of the way.

Commercial Loans

Looking to buy or refinance a commercial property? Commercial lending is a bit different from home loans — rates and terms can be flexible depending on your business. We work with the right lenders, negotiate on your behalf, and make sure you’re getting the best possible deal.

SMFS Loans

Want to use your super to invest in property? We can help you set up a Self-Managed Super Fund loan that fits within the rules and helps you grow your investments. Whether it’s residential or commercial property, we’ll take care of the process so you can focus on your future.

Home Loans (Variable & Fixed Rate)

Fixed or variable home loans — which one’s right for you? Fixed rates give stability, variable rates give flexibility. We’ll talk through the pros and cons of each and help you pick the loan that fits your life and your goals.

Refinance Loans

Refinancing can save you money, reduce your repayments, or free up equity — but only if it’s done right. We’ll look at your options, crunch the numbers, and make sure refinancing actually works for you.

Equipment & Vehicle Finance

Need vehicles, tools, or machinery for your business? We can help you find finance that fits your budget and keeps your business moving forward.

Bridging Loans

Buying a new home before selling your old one? A bridging loan can help cover the gap. We’ll explain how it works, what it costs, and whether it’s right for your situation — so you’re never caught short.

First Home Buyers

Buying your first home is exciting — and can be a little overwhelming. We’ll guide you through the whole process, from understanding how much you can borrow to applying for grants and choosing the right lender. No jargon, just straightforward advice.

Investment Loans

Growing a property portfolio? We’ll help you structure the right investment loans and work with your accountant or financial planner to make sure it’s done properly. Our goal is to help you make the most of your investments.

Let’s Talk

Everyone’s situation is different — that’s why we don’t do one-size-fits-all solutions. Whether you need financial advice, a home loan, a business loan, or just some guidance, we’re here to help.

Reach out today and let’s start planning your financial future together.

Collaborations

Our Strategic Partners

We invite you to discover more about our partners

Smyth Financial

Smyth Financial is a Rockhampton-based finance brokerage specialising in tailored asset finance and home loan solutions for both individuals and businesses across Queensland and beyond. With the convenience of having both a Rockhampton and Yeppon Office, in conjunction with their Mobile Office servicing the Mid-North Coast and Hunter Region, New South Wales, why not discover more about Smyth Financial. Discover More >>

Smyth Financial

eCarz is a Brisbane-based car brokerage and asset finance specialist offering a streamlined approach to buying, selling, and financing vehicles. Their team of professional brokers and finance experts collaborates closely with clients to secure optimal deals on new and used cars, as well as other assets like trucks, boats, and equipment. Discover More >>

Funnd Finance

At Funnd Finance, finding the right loan doesn’t have to be complicated. Whether you’re buying a new car, upgrading your vehicle, or looking for a smarter way to finance your next ride, Funnd helps you access flexible, personalised finance options that actually make sense. Discover More >>

Ready to take control of your finances and scale with confidence? Let’s build the right strategy together. Lock in your free financial strategy session today!