If you’re looking for a home loan, Total Loans is here to help.

All Lenders have different turnaround times. The Lender you choose will depend on your situation and the urgency of your loan requirements. We will determine the loan that is right for you during our strategy session.

Your borrowing capacity can vary with each Lender. All lenders have their individual serviceability calculators to assess how much you can borrow with them. At Total Loans we have access to most lenders calculators and can provide you with information on how much you can borrow with each lender. Some of the factors that lenders consider when assessing how much you can borrow include length of employment, deposit, guarantors, suitable security, previous repayment history, current debts ie personal loans, credit card/store cards.

A mortgage broker serves as a valuable intermediary between you, the borrower and the lenders. We have over 15 years in the finance industry and use our expertise and specialized software to secure competitive rates and facilitate a smooth mortgage settlement. At Total Loans, our mission is to safeguard your interests and expertly manage the entire mortgage process, so it is stress free and easy for you.

There are lenders who are willing to consider applicants with defaults or poor credit conduct. However, this greatly depends on the details listed on your credit file and the extent of your credit score. Before recommending a lender, it is advisable we check your credit report.

Mortgage brokers are often able to offer better rates by negotiating with multiple lenders, while banks only present their own offers. We provide a detailed comparison report so that you can compare the features, rates and fees of the products of various lenders, without going to each bank directly, saving you time and money. We also have access to promotions through the broker network, such as discounted, application fees and interest rates.

Did you know that over 70% of loans in Australia are submitted through a Mortgage Broker? Navigating the countless mortgage products on the market can be confusing and overwhelming. A Mortgage Broker plays a pivotal role in guiding borrowers through the maze of options, explaining product features, and aiding in selecting the ideal loan for you. Beyond purchase assistance, at Total Loans we provide ongoing support, ensuring you always have access to the best financing options available.