Mortgage Brokers based in Port Hedland for all your Pilbara Finance needs

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

How can we help you today?

Rated 5 from 25 Reviews

Home Loans

We're expert Mortgage Brokers in Port Hedland helping clients in the Pilbara and beyond get into their home sooner with a range of Home Loan options

Image for Home Loans
Home Loans

Investment Loans

We're expert Mortgage Brokers in Port Hedland helping clients in the Pilbara and beyond secure the right Investment Loan to buy an investment property

Image for Investment Loans
Investment Loans

Refinancing

We're expert Mortgage Brokers in Port Hedland helping clients in the Pilbara and beyond refinance their Home Loan or Investment Loan

Image for Refinancing
Refinancing

Ready to chat with our Team?

Book Appointment

Our Services

Home Loans

We're expert Mortgage Brokers in Port Hedland helping clients in the Pilbara and beyond get into their home sooner with a range of Home Loan options

Find out more...

Investment Loans

We're expert Mortgage Brokers in Port Hedland helping clients in the Pilbara and beyond secure the right Investment Loan to buy an investment property

Find out more...

Refinancing

We're expert Mortgage Brokers in Port Hedland helping clients in the Pilbara and beyond refinance their Home Loan or Investment Loan

Find out more...

First Home Buyers

We're expert Mortgage Brokers in Port Hedland helping clients in the Pilbara and beyond access Home Loan Options, First Home Owner Grants and Incentives

Find out more...

Asset and Equipment Loans

We're expert Mortgage Brokers based in Port Hedland helping clients in the Pilbara and beyond purchase a new vehicle, plant or machinery with Asset Finance

Find out more...

Credit Impaired Loans

Life is unpredictable, and sometimes, it can lead to circumstances beyond your control that impact your credit history negatively.

Find out more...

Personal Loans

We're expert Mortgage Brokers in Port Hedland helping clients in the Pilbara and beyond get a Personal Loan to pay for unexpected emergencies

Find out more...

Business Loans

We're expert Mortgage Brokers in Port Hedland helping clients in the Pilbara and beyond grow their business and purchase equipment with a Business Loan

Find out more...

GT

Graeme Thompson

We recently used Total Loans to assist us with re financing of our Home Loan and would use them again. I would Highly recommend them.

HE

Hannah Eardley

Russell first helped us in 2016 to get our first mortgage. He has now just helped us refinance our home loans as well as helping us get a car loan. Russell has always gone above and beyond, giving us great advice, listening to our wants and concerns, happily answers ALL of our questions whilst securing us the best deal. We trust Russell’s knowledge and expertise and would most definitely recommend him to anyone needing his services! Thank you Russell, we really appreciate all your help!

JA

Jamie Adair

Russell was a great help to us. He was accessible, organised and over the details.

Not sure where to start?

Book in a free consultation with our experienced and friendly team and we can help point you in the right direction.

Book Appointment
Picture for Total Loans

About

With Total Loans by your side, you're entering a world of opportunities. Our love of property and helping others is what guided us to start Total Loans over 15 years ago.

We understand that the lending world can be confusing and knowing how to get into the property market and find the best finance deal for you can be a little bit complicated. Our job is to make the whole process easy for you and we will guide you through every step of your journey, so you can achieve your goals.

Based in Port Hedland in the Pilbara, we're here to be your partners in property and everything finance. Whether you're a seasoned property investor or a first-time homebuyer, Russell and Sharon Briggs are your local experts, ready to build relationships and help you make informed decisions to secure your future.

Book Appointment

Frequently Asked Questions

How does Total Loans ensure a professional service?

As a Licensed Finance Brokerage, with our own Australian Credit License Number: 388425. We are required to always operate with a strict code of ethics and act with honesty and integrity, comply with all the laws and regulations relating to the Mortgage Industry and maintain confidentiality in all dealings. Total Loans has membership of several major industry and governing bodies to ensure that staff keep up to date with industry standards and changes. These include: Australian Finance Group, Australia's largest mortgage wholesaler (AFG) 
Mortgage and Finance Association of Australia (MFAA) 
Australian Financial Complaints Authority (AFCA)

How much can I borrow?

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.

Why don't I just go directly to my bank?

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.

Can you help me if I have a poor credit file?

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.

What does a Mortgage Broker Do?

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.

Do you charge any fees, or are there any hidden costs?

Not at all. Our service is free and transparent, with no hidden charges. When you receive a loan from us, it is the same as if you went directly to the lender. The lender pays us a commission, but it does not impact your home loan in any way.

Why do you need a Mortgage Broker to help you?

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.

How long does it take to get finance approval?

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.

Ready to speak to an Expert?