Russell and Sharon are more than just mortgage brokers; they are individuals who share a love for travel, property, finance, and, most importantly, life itself. Their adventures have taken them across diverse landscapes, allowing them to connect with people from various walks of life. Their passion for regional living has deep roots, and they understand the lifestyle and dreams of those living in regional areas. Russell and Sharon not only bring their expertise in business, finance, and property to the table but also a genuine enthusiasm for having fun and meeting new people. They're not just here to assist and educate you with your financial goals; they're here to share in the excitement of your journey, whether it's refinancing, buying a new car, buying your first home or investing in your future.
Mortgage Broker
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.
Mortgage Broker
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.
Total Loans was born in Kalgoorlie Western Australia over 15 years ago from our passion for property investing and has expanded to Busselton in Southwest, West Australia and other regional locations.
With clients spanning across the vast expanse of Australia, Total Loans Mortgage Brokers is here to lend a hand to everyone. Now located in the heart of the Pilbara region in Western Australia, our presence extends to the thriving communities of Port Hedland, South Hedland, Karratha, Tom Price, Newman, Paraburdoo, Pannawonica, Onslow, Dampier, Wickham, and Marble Bar. Drawing from our extensive experience, we specialize in assisting those in regional areas, the mining sector, and hardworking FIFO (Fly-In-Fly-Out) workers. Total Loans Mortgage Brokers is dedicated to being your trusted partner in achieving your property aspirations.
Glenn, Busselton
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.
TF
Tammie Fisher
Russell is amazing! He goes so far above and beyond for his clients, he deserves more recognition than my words can possibly convey.
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!
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)
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.
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.
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.
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.
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.
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.
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.
Rylee Nominees Pty Ltd ABN: 35 737 082 292. Rylee Nominees Pty Ltd Holds Australian Credit Licence 388425.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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