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.

  • The Promoter is ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian Credit Licence 229823.
  • This ING Home Loan (Environmental Rating) Cashback Promotion (‘Promotion’) commences on 4 April 2024 and ends on 30 September 2024 (or another date in the event that the Promotion is withdrawn or extended) (‘Promotional Period’).
  • All applications for credit are subject to ING’s credit approval criteria. Fees and charges apply.

Eligibility criteria

  • Subject to these Terms and Conditions, customers who meet the following eligibility requirements (‘Eligible Customers’) will receive a cashback payment:
    • Customers must submit an application for a new ING home loan (‘new ING Home Loan’) within the Promotional Period (the ‘Application’) via a broker (‘Participating Brokers’);
    • The Application must be for either:
      • the refinance of an existing home loan from another lender; or
      • the purchase of residential property.
    • The Application must be for a loan to be secured by residential property for which the customer has obtained either:
      • an accredited Nationwide House Energy Rating Scheme (NatHERS) = 7 stars or greater rating certificate; or
      • a Green Building Council of Australia (GBCA) Green Star Home certificate; and provided a copy of that certificate to ING, which must be received by ING by 31 December 2024.
    • The Application must be for a total loan amount of at least $350,000 excluding any amount to refinance any existing ING loans.
    • The Application may be for any available ING Home Loan product, including Owner Occupier and Investor loans and loans with Principal and Interest and Interest Only repayment
    • The Application must be approved, and the resulting new ING Home Loan must:
      • have a loan to value ratio (LVR) of 80% or less; and
      • settle on or before 31 December 2024.
    • The customer must hold an active ING Orange Everyday transaction account in the same name(s) as the new ING Home Loan at the time that the cashback is paid (which will occur within 70 calendar days after the eligibility criteria has been met).

Cashback amounts

  • Eligible Customers will receive the following cashback amount:
    • Applications that include only the refinance of an existing home loan from another lender – $2,500.
    • Applications that include the purchase of a property (whether or not also including refinance of a property) – $1,500.
  • A limit of one cashback payment applies for each new ING Home Loan contract, even it is held in joint names.

Payment of cashback

  • Eligible Customers will receive payment of the relevant cash back electronically into their ING Orange Everyday transaction account within 70 calendar days of the eligibility criteria being met. Where an Eligible Customer has more than one Orange Everyday account held in the same names as the new ING Home Loan, ING will determine which account will receive the cashback. The customer cannot nominate an account.


  • Any cashback will not be considered in ING’s assessment of whether a customer could service the new ING Home Loan.
  • The Promotion is not available in conjunction with any other promotions.
  • ING accepts no responsibility for any tax implications that may arise from the cashback. Eligible customers may need to seek advice from the Australian Tax Office or their own taxation adviser or independent financial adviser.
  • These terms and conditions are current as at 8 May 2024.
  • ING reserves the right to change or withdraw the Promotion at any time with notice to Participating Brokers via broker.ing.com.au/home-loans.html. Any application submitted after the withdrawal date will not be eligible for this Promotion.

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