Flexible Personal Loans

Whether you're planning a dream holiday, consolidating debt into one simple payment, or funding a home renovation, a personal loan can be the smart way to make it happen. At Max Rich, we provide fast access to a wide range of competitive personal loans, helping you find a better rate and a more structured solution than a credit card.

Fast Personal Loans on the Gold Coast

Life on the Gold Coast comes with goals and opportunities. You might be planning a wedding, facing an unexpected expense, or finally ready to renovate the kitchen in your Palm Beach home. Instead of putting it all on a high-interest credit card, a personal loan offers the certainty of a fixed repayment schedule and a much lower interest rate. We cut through the hassle of dealing with banks by comparing offers from a huge panel of lenders to find you a great deal, fast.

Our Fast & Simple Personal Loan Process

Our process is designed to be quick, digital, and completely straightforward, getting you the funds you need with minimal fuss.

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1

Tell Us What You Need

‍It all starts with a quick 5-minute application online or over the phone. Let us know how much you need to borrow and what it's for.

2

Simple Documentation

‍We only need the essentials. In most cases, this is just your ID and a confirmation of your income.

3

We Compare For You

‍We instantly compare dozens of personal loan options from our panel of lenders to find you the most competitive interest rate and terms.

4

Get Your Approval

‍We work fast to get your loan approved, with a decision often made on the same business day.

5

Sign Your Documents Online

‍Once approved, you can review and sign your loan contracts digitally from anywhere, on any device.

6

Funds in Your Account

‍After the documents are finalised, the funds are transferred directly to your nominated bank account, typically within 24 hours.

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Explore your loan options & their features.

We can help you find the right loan for any goal. An Unsecured Personal Loan is the most popular option, requiring no assets as security. For some borrowers, a Secured Personal Loan, using an asset like a car, may result in an even lower interest rate. A key reason many clients seek a personal loan is for Debt Consolidation—rolling high-interest credit cards and other debts into a single, lower-rate loan to simplify finances and save money.

Secured Loans

A Secured Loan is a loan where you use an asset—such as a vehicle, equipment, or property—as security for the lender. Because this lowers the lender's risk, a secured loan can typically offer you a more competitive interest rate, the potential to borrow a larger amount, and more flexible loan terms compared to an unsecured loan.

Unsecured Loans

An Unsecured Loan provides fast, flexible access to funds without requiring you to provide an asset (like a car or property) as security. Because no security is needed, the application process is often quicker and simpler.

Fixed rate loan

A Fixed Rate Loan locks in your interest rate for a set term, typically from 1 to 5 years. This means your repayment amount will not change for the entire fixed period, regardless of what happens in the market.

Variable rate loan

A Variable Rate Loan is a home loan where the interest rate can move up or down according to market conditions. Its greatest strength is flexibility.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Balloon Payment Calculator

Use the balloon payment calculator to understand the impact that a balloon payment will have on your monthly loan repayments and the total amount of interest you’ll be required to pay.

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Borrowing Calculator

Use the calculator to find out how much you could borrow.

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Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

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Car Loan Calculator

Find out how much your car loan repayments will be, and the total interest charged for the car loan.

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Credit Card Calculator

Understand how long it’ll take to complete your repayments and how much interest you will pay.

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Income Tax Calculator

The income tax calculator can be used to calculate your net income.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Personal Loan Repayment Calculator

Use this calculator to find out how much your personal loan repayments will be.

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Savings Planner Calculator

Use the calculator to find out how much you could save.

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Frequently asked questions.

View our full FAQs
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Can you help me figure out my borrowing capacity?

Absolutely. Your borrowing capacity is a calculation of how much a lender will loan you based on your income, debts, and living expenses. While online calculators offer a rough estimate, we provide a far more accurate and reliable assessment. We will analyse your financial situation to give you a clear budget and help you secure a formal pre-approval, which is the green light you need to search for property with real confidence.

How does a mortgage work?

A mortgage works by allowing a borrower to take out a loan to buy a home, which they then repay over time with interest. The lender provides the funds, and in return, the borrower agrees to pay back the loan amount plus interest over a specified period.

Monthly Payments

Monthly payments typically include both principal and interest, and may also include property taxes and homeowners insurance. This is known as a PITI payment (Principal, Interest, Taxes, Insurance).

Understanding how these payments are structured can help borrowers manage their finances effectively.

How long does it take to close?

The time it takes to close on a mortgage can vary, but it typically ranges from 30 to 45 days. Factors that can influence this timeline include the lender's processing speed, the complexity of the loan, and the responsiveness of all parties involved.

Tips for a Smooth Closing

To ensure a smooth closing process, maintain open communication with your lender and promptly provide any requested documentation.

How much can I borrow?

Your borrowing capacity depends on several factors, including your income, financial commitments, living expenses, and the size of your deposit. While online calculators provide a rough estimate, our detailed assessment provides a much more accurate figure. We do this as part of a formal pre-approval process, so you know exactly what your budget is before you start looking.

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How to apply for a mortgage?

Applying for a mortgage involves several steps. First, gather necessary documents such as proof of income, tax returns, and credit history. Next, research different lenders and mortgage products to find the best fit for your needs.

Steps to Follow

  1. Gather financial documents.
  2. Check your credit score.
  3. Shop around for lenders.
  4. Submit your application.

Following these steps can streamline the mortgage application process.

Should I use a bank or broker?

A bank can only offer you its own limited range of products. As your mortgage broker, we offer you a choice from over 60 different lenders. We work for you, not the banks. Our role is to understand your unique needs, compare the market to find a suitable loan, and manage the entire process from application to settlement, saving you time and stress.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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