Personal Loans, Home Loans, Business Loans, Rural Loans, Equipment Loans for Regional Australia 1800 734 346 Contact Us

Licensee Credit Guide

This document provides information about the services we provide. We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act).  The NCCP Act regulates the activity of lending, leasing, and finance broking.

Licensee Name Regional Finance Solutions Pty Ltd
ACN 163 893 945
Australian Credit Licence Number   484980
Address 129-135 Otho St,
Inverell NSW 2360
Phone 1800 734 346
Email  Contact Us

Services we provide

Regional Finance Solutions is an Australian owned and operated organisation, dedicated to providing their clients with an integrated range of financial services and products.  Regional Finances Solutions currently has a network of mortgage specialists to assist clients credit products including personal loans, home loans, investment loans, commercial and agribusiness loans, and equipment finance.

Our panel lenders

We source finance from a panel of financiers. The financiers named below are the six financiers with which we conduct the most business.

  • St George
  • Westpac
  • Coastline Credit Union
  • Summerland Credit Union
  • Northern Inland Credit Union
  • National Australia Bank

We will need information from you

We will need information from you: Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain, or any lease we help you to enter, is not unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. Your complete financial situation will need to be assessed before acceptance of any proposal or product. The law requires us to:

  • make reasonable inquiries about your requirements and objectives;
  • make reasonable inquiries about your financial situation;
  • take reasonable steps to verify that financial situation.

Credit will be unsuitable if at the time of the assessment, it is likely that: you could not pay or could only pay with substantial hardship; the credit will not meet your requirements and objectives.

Additionally we must ask you to provide us with a significant amount of accurate information.  If we give you credit assistance we must also provide you with a copy of our preliminary credit assessment of your application if you ask within seven years of when we assist you.  If we arrange a loan for you remember you must make your own enquiries about the value and future growth of the security property. Also note that any valuation we obtain is for our own use.

Fees payable by you

Regional Finance Solutions does not charge you for the services it provides. However, our credit representatives sometimes charge fees for their services. More details about the fees payable by you will be documented in the quote. You may also obtain more information from your credit representative about how these fees.  You may also be required to pay the lender’s application fee, valuation fee, government charges and other transaction fees.  

Commissions received by us

We may receive commissions from the lenders and lessors who provide finance for you as our customers.  These are not fees payable by you.  You may obtain from us information about a reasonable estimate of those commissions and how the commissions are worked out.

Commissions payable by us

Regional Finance Solutions and our credit representatives source referrals from a broad range of sources.  For example, we may pay fees to call centre companies, real estate agents, accountants, or lawyers for referring you to us.  These referral fees are generally small amounts and accord with usual business practice.  These are not fees payable by you.  You may, on request, obtain a reasonable estimate of those commissions and how they are worked out.

Our internal dispute resolution scheme

At Regional Finance Solutions we are committed to the effective handling of complaints and timely resolution of disputes.

Receiving complaints and the complaint process

If you have a complaint or a dispute, you have the option of either contacting your mortgage professional or lodging the complaint directly with Regional Finance Solutions. You can lodge complaints with Regional Finance Solutions by contacting the Complaints Officer by:

Phone:   1800 734 346
Email:   Contact Us
Address:   129-135 Otho St,
Inverell NSW 2360

You can also speak with any representative of our business who will refer you to the Complaints Officer.  You should explain the details of your complaint as clearly as you can verbally or in writing. When we receive a complaint, we will attempt to resolve it promptly.  We will observe the following principles in handling your complaint:

  • there is no requirement for face-to-face contact between you and us, although it may be useful for us to come to a satisfactory resolution;
  • we expect that both parties will make a genuine attempt to resolve a complaint promptly;
  • we expect that both parties will provide all essential and relevant information, documents, written statements and any other materials that may properly and reasonably be believed to assist in resolving the complaint;
  • we expect that both parties will comply with all reasonable requests from the other party to provide information within a reasonable time frame.

Timeframes for response

If your request cannot be resolved immediately, we will respond to your request within two (2) business days of receipt of the complaint. We will keep you informed of the progress of the investigation.

Our external dispute resolution scheme

If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme.  Our external dispute resolution provider is FOS (Financial Ombudsman Service).  FOS is a free service established to provide you with an independent mechanism to resolve specific complaints.  

Free call:   1800 367 287
Fax:   02 9613 6399
Mail:   Financial Ombudsman Service Limited,
GPO Box 3, Melbourne VIC 3001

More Information

If you have any questions about this credit guide or anything else about our services, just ask at any time.  We’re here to help you.

Representative Credit Guide

We have appointed the person below as our credit representative in the provision of credit assistance to you.

Credit Representative Details


Credit Representative Name


Credit Representative Number

Steve Warren



Ian Croker



Mark Prosper

Port Macquarie / Kempsey


Gary Scott

Port Macquarie / Kempsey


Alex Stapleton

Port Macquarie / Kempsey


Joanne Sherman

Port Macquarie / Kempsey


Brook Simpson

Nambucca Valley


Rod Cross

Coffs Harbour


Scott Bohringer

Coffs Harbour


Tasha Moore

Coffs Harbour


David Seymour

Ballina / Northern Rivers


Debbie Shepherd



Janine Beveridge



David Traynor



Debbie Traynor



Robert Drewitt

Moree / Narrabri / Goondiwindi / Bingara


Kylie Anderson

Moree / Narrabri / Goondiwindi / Bingara


Todd Alomes

Tamworth / Gunnedah / Armidale


Amber Kenafick

Manilla / Tamworth


Danny Wilson



Jack Gordon



Keith Sheardown



Gary Goldsmith



Lucy Elliott



Daniel Arthur



Kristie Timms



Business name:   Regional Finance Solutions Pty Ltd
Address   129-135 Otho St, Inverell NSW 2360
Phone   1800 734 346
Email   Contact Us

The information detailed above applies specifically to the credit representative.  In addition, the credit representative may receive the whole or part of the commissions & fees referred to above directly or indirectly from us as the representative.  You can obtain information from the credit representative about a reasonable estimate of those commissions and how the commission is worked out.  The credit representative has access to the financiers listed in the licensee credit guide above.

Fees payable by you

The credit representative does not charge you for the credit services because the representative receives commission from the financier or the licensee.  However, you may need to pay the financiers application fee, valuation fees, and other fees.

Representative’s external dispute resolution scheme

If the credit representative is unable to resolve your complaint, please contact their licensee in the first instance. You may also refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme.  Our external dispute resolution provider is AFCA (Australian Financial Complaints Authority).  AFCA is a free services established to provide you with an independent mechanism to resolve specific complaints. 

Phone:   1800 931 678 
Mail:   GPO Box 3, Melbourne VIC 3001