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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What are the types of mortgages?

There are several types of mortgages available to borrowers, each with its own features and benefits. The most common types include:

  • Fixed-Rate Mortgage: The interest rate remains the same throughout the life of the loan.
  • Adjustable-Rate Mortgage (ARM): The interest rate may change at specified times, usually resulting in lower initial payments.
  • Interest-Only Mortgage: The borrower pays only the interest for a certain period, after which they begin paying off the principal.

Choosing the right type of mortgage depends on individual financial situations and long-term goals.

What does pre-approval mean and do I need it?

A pre-approval (also called conditional approval) is a formal confirmation from a lender of how much they are willing to lend you, subject to certain conditions. In the competitive Gold Coast property market, getting pre-approved is an essential first step. It proves to sellers and agents that you are a serious buyer and gives you the confidence to know your exact spending limit.

What is a good interest rate?

A "good" interest rate is more than just the lowest number. The most competitive loan package is one that has a great rate combined with the right features (like an offset account), low fees, and a lender policy that suits your circumstances. Our job is to compare options from over 60 lenders to find the loan that offers the best overall value for you.

What is a mortgage?

A mortgage is a loan specifically used to purchase real estate. It is secured by the property itself, meaning that if the borrower fails to repay the loan, the lender can take possession of the property through a legal process known as foreclosure.

Key Components of a Mortgage

  • Principal: The amount of money borrowed.
  • Interest: The cost of borrowing the principal, usually expressed as a percentage.
  • Term: The length of time over which the loan must be repaid, typically 15 to 30 years.

Understanding these components is crucial for anyone looking to buy a home.

What is stamp duty and how much does it cost?

Stamp duty is a tax charged by the Queensland Government on the purchase of a property. The amount payable is calculated based on the property's value, and concessions or exemptions may be available, particularly for first home buyers. As part of our service, we will provide you with a precise calculation of the stamp duty payable for your purchase.

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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