Money Tree Financial Solutions

From our Queen Street office in Brisbane CBD and our Bundall location, we arrange residential and selected commercial finance through Richter Financials Pty Ltd. Our team discusses home purchases, refinancing and investment borrowing.

Loan comparison involves more than the advertised interest rate. Fixed periods, variable structures, offset features, additional repayments and switching fees may influence long-term flexibility.

Investment property lending requires consideration of rent, holding costs, existing loans and further purchases. Lenders may assess investment income and property security under different policies.

When refinancing an existing mortgage, we review the remaining balance, contract features and potential discharge costs. We compare keeping the existing arrangement with alternatives.

Land and construction borrowing may involve building contracts, project budgets, progressive drawdowns and separate valuations. We explain the supporting documents lenders can require.

Self-employed borrowers may need to show tax returns and business financial records rather than relying on standard salary evidence. We discuss the relevant lender criteria before submission.