Ruby Duke Finance helps first home buyers, refinancers, property investors and everyday Australians secure the right loan - with clear, honest guidance from a broker who takes the time to understand your goals.
A husband-and-wife team who started Ruby Duke Finance to be the kind of broker we'd want ourselves.
Real people who explain things in plain English, do the hard work behind the scenes, and are still here years later when life changes. When you work with us, you deal with us directly - the same trusted faces at every stage, from your first home to your next investment.
Whatever stage you're at, we'll find the right loan and structure for it.
Explore what we do:
A mortgage is one of the biggest decisions you'll make. We make it simpler - comparing options across our lender panel, handling the paperwork, and explaining everything in plain English, so you can make an informed decision.
We aren't tied to one bank. We compare loans across a wide panel of lenders and recommend what genuinely fits you - that's our Best Interests Duty.
Penalties, overtime and allowances are often misread by generalist brokers - costing you borrowing power. We understand irregular income and present it properly.
We're here for the first loan and every one after - rate reviews, the upgrade, the investment. Advice you never have to think twice about.
No jargon, no pressure - just a clear path from first chat to settlement.
Send an enquiry and we'll arrange a free, no-obligation call. We learn your goals and answer your questions.
We assess your borrowing power and compare loans across our lender panel.
We handle the application and paperwork, and keep you updated to settlement.
Rate reviews and support for years to come - not just at settlement.
Loans quietly drift out of the market's best pricing. In two minutes, our Scorecard shows where you stand on rate, structure and borrowing power - and where you might be leaving money on the table.
Get your loan scoreExample: a 0.5% lower rate on a $600,000 loan over 30 years could save you:
Illustrative only (6.0% vs 6.5%, principal & interest). Your saving depends on your rate, balance and term.
Government schemes change often. We keep plain-English guides on the incentives that can get you into a home sooner.
Buy with a 5% deposit and no Lenders Mortgage Insurance under the Australian Government scheme. Who qualifies and how it works.
Read guideHow to tell if switching lenders or repricing your loan is worth it - and the traps to avoid.
Read guidePenalties, overtime and allowances can lift your borrowing capacity - if they're presented properly.
Read guideSend us an enquiry and we'll arrange a free, no-obligation chat. Whether you're buying your first home, refinancing or planning your next move - we'll make it clear.
