Home Loans for RTBU Members, their family and friends

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.

Purchasing Property
Investment Loans
Buying Your First Home

Why choose RTBU Home Loans?

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.

Property Purchase

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.

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Investment Lending

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.

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Refinancing Your Loan

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.

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Buying Your First Home

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:

  • Do you have a deposit or know how much you need?
  • Do you know your budget and preferred location?
  • Do you understand the application process?

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!

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*Terms and conditions, fees and charges apply.

Bank of Queensland Discounted 3 Year Fixed Rate Home Loan for Owner Occupiers P&I has an interest rate of 5.99% p.a. (comparison rate 6.40% p.a.). For applications received from 15 May 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 15 May 2024.
Credit provided by Bank of Queensland Limited ABN 32 009 656 740 (Australian Credit Licence Number 244616) (BOQ). Fees and charges payable. BOQ’s standard credit assessment criteria apply. Full terms and conditions are available at any BOQ branch. Interest rates quoted are indicative only, and are subject to change without notice.

Comparison rates calculated on the basis of a secured loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

Cash Back Terms & Conditions
Special limited time $2,000 cashback offer only available for new refinance applications received from 8 September 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 customers taking out a new home loan with BOQ, refinanced from another financial institution. Offer available on BOQ’s Clear Path, Economy, or Fixed Rate home loan products only. Minimum total new lending of at least $250,000. Maximum loan-to-value ratio (LVR) of 80%. 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 refinance 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. Customers who have received a refinance cashback payment from within the BOQ Group within the 12 months prior to their loan application date will be ineligible for this offer. 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 8 September 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.

Information is correct at time of publishing and is subject to change. All fees include GST. All applications are subject to specific lending criteria.