Are you passionate about property investment? So is Russell! With over 15 years of experience as a licensed Mortgage Broker, Russell is your dedicated specialist for transforming property dreams into a concrete reality. His journey began many years ago when he realized his exceptional problem-solving skills, knack with numbers, and strategic thinking could make a positive difference in helping others navigate the complex world of finance. Today, he's made it his mission to be your trusted guide through the intricate mortgage landscape, just as he has been for countless others.
Sharon brings her own unique strengths to our team. She's not just an organizational guru, she's also passionate about inspiring people to learn about money, take control of their financial journey, and cultivate the right mindset for achieving their goals. Sharon loves helping others discover the power of financial knowledge and the confidence that comes with it. Her friendly and approachable nature makes clients feel comfortable, while her innovative ideas and problem-solving skills ensure a seamless experience. Sharon is not only here to assist with your finances but also to empower you to take charge of your financial future and achieve your aspirations.
Russell & Sharon are an excellent team to work with. Extremely responsive and with great attention to detail, they care for every outcome they are working towards. Highly recommend.
We have used Total Loans for the last 3 houses we have purchased and we couldn’t be happier with the service they provided. Russell and Sharon went above and beyond for us, making every step of the loan process seamless. Their knowledge and expertise are outstanding. We couldn’t recommend them more!
My partner and I were first home buyers completely new to the process and Russell helped us from start to finish. He presented a lot of good loan choices and answered all our questions without hassle along the way. We will definitely be recommending Total loans to family and friends in the future.
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.
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)
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.
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.
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.