Business Loans

Businesses spanning various industries all share a common goal: expansion. Yet, the path to growth is often paved with financial hurdles. Commercial Finance is the key to unlocking your business's potential.

Rated 5 from 19 Reviews

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Whether it’s to purchase a property, equipment or business, we’re here to help.

Commercial loans serve as the catalyst for expanding your enterprise, allowing you to master cash flow management, enhance your commercial premises, and establish your presence as a dominant player in the local market. However, navigating the world of commercial financing can be a maze of intricacies. High interest rates, hidden charges, and a multitude of lenders each touting their superiority can make the process seem overwhelming.

While commercial finance may appear complex, its benefits are limitless. Sadly, many businesses find the loan application process daunting, preventing them from accessing the funds they need. Yet, with the guidance of a seasoned financial expert, the process can become significantly more manageable.

Selecting the Right Business Loan
The journey to finding the right financing begins by asking the right questions. Applying for commercial loans can be a formidable task, demanding not only time and paperwork but also presenting a challenging array of choices. Secured and unsecured loans, diverse loan terms, a wide spectrum of interest rates—the options can be bewildering. To navigate the world of commercial financing successfully, it's best to seek the advice of an expert.

Once you've determined that your business could benefit from financing, there are several factors to consider. Here are some crucial factors we recommend clients think about before approaching lenders:


  1. The amount of financing you require.

  2. The specific type of commercial financing that suits your needs.

  3. The collateral or security you can provide and its impact on the interest rate.

  4. The financing's duration (term).

  5. Your company's financial capacity to repay the financing, including interest and fees.

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How we can help you

Total Loans Mortgage Brokers in Port Hedland possesses an in-depth understanding of the intricacies of the business landscape, along with the ever-evolving market and economy. We acknowledge the significant impact these factors can have on businesses, and our primary goal is to streamline access to tailored commercial financing for business owners.

While seeking business financing may seem challenging and risky, calculated risk is an essential element in spurring growth and maintaining relevance, especially in an era where consumer preferences are in constant flux. We'll be with you every step of the way, providing you with all the necessary information to make informed decisions. Our mission is to help you select the right financial product for your needs while mitigating excessive risks.

BS

Broker Studio

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.

TB

Tessa Briggs

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!

JH

Joshua Hunter

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.

Frequently Asked Questions

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.

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)

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.

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.

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.

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.

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