Red Earth Finance

We think differently about home loans.

Most people approach a mortgage broker with a question: "What's the best interest rate I can get?"

We think there's a more important question: "What do I actually need my home loan to do for me?"

Buying a first home, upgrading to a better property, building an investment portfolio or approaching retirement with a substantial mortgage all require different thinking.

The right loan structure today can make a significant difference to your financial flexibility tomorrow.

At Red Earth Finance, we start with where you are, what you're trying to achieve and how your mortgage fits into those plans. Then we examine the lending options, explain the trade-offs and help you make an informed decision.

Banking experience from the inside.

Red Earth Finance was established in 2020 by Dave Murray and Fabian Meloni.

Dave has worked in banking and finance since 1994, including senior leadership roles at a New Zealand bank where he led home loan product development and helped build its mortgage broker channel.

That experience gives our team an understanding of how lenders design their products, assess applications and make credit decisions.

We use that knowledge to help clients understand their options, work through lending challenges and avoid decisions based solely on an advertised rate.

A particular focus on homeowners approaching retirement.

One area we're especially interested in is helping Gen X homeowners who still have substantial mortgage debt as retirement approaches.

A lower rate may help, but it doesn't necessarily solve the bigger problem.

We examine repayment structures, remaining loan terms, refinancing options and the potential impact of making changes now.

The goal is to help clients develop a realistic approach to reducing mortgage debt before retirement.

And we're here for your other property plans too.

We work with first-home buyers, existing homeowners, property investors and people upgrading their homes.

We also assist with refinancing, accessing existing property equity and reviewing debt structures.

Our approach is straightforward: understand the objective, explain the options, identify the costs and trade-offs, and help you choose a suitable lending solution.

Based in Redland Bay, Brisbane. Working with clients Australia-wide.

If you're looking for someone to do more than compare advertised interest rates, we'd welcome a conversation.