Personal Loans

Q: 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.

Q: 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)

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Our personal Loans are designed to be versatile and quick

Rated 5 from 19 Reviews

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Unlock Your Dreams with Personal Loans

We understand that life's opportunities and challenges often come unannounced. That's why our personal loans are designed to be versatile and quick (some are fully funded in < 24 hours), giving you access to the funds you need when you need them. Whether it's a home renovation project, a dream vacation, or a beautiful wedding, our personal finance solutions can make it happen.

What can you finance with a personal loan?
Personal loans can typically be used to finance a wide range of expenses and purchases, including:

Debt Consolidation: Combine high-interest debts (like credit card balances or multiple loans) into a single, more manageable loan with a lower interest rate.

Home Renovations: Fund home improvement projects such as kitchen remodeling, bathroom upgrades, or home extensions.

Vacations: Cover the cost of your dream vacation, whether it's an international adventure or a relaxing getaway.

Weddings: Finance your wedding expenses, from the venue and catering to the dress and honeymoon.

Education: Pay for tuition fees, books, and other educational expenses for yourself or your family members.

Medical Bills: Cover unexpected medical expenses, elective procedures, or health-related costs not covered by insurance.

Moving Expenses: Finance the costs associated with relocating, including hiring movers or purchasing new furniture.

Vehicle Purchase or repair: Use a personal loan to buy or repair a car, motorcycle, or another vehicle.

Emergency Expenses: Address unexpected financial emergencies like home repairs, appliance replacements, or urgent medical bills.

Small Business Start-up: Some entrepreneurs use personal loans to kickstart their small business ventures.

Legal Fees: Cover legal expenses such as attorney fees or court costs. You can even borrow as part of a home deposit to avoid paying LMI (Lenders Mortgage Insurance)

Large Purchases: Buy high-value items like electronics, appliances, or jewellery.

Special Events: Celebrate milestone events like birthdays, anniversaries, or family reunions.

Dealing with Loss: Handle funeral and memorial costs when a loved one passes away.

Hobbies and Interests: Invest in your passions, whether it's art supplies, musical instruments, or sports equipment.

It's important to note that while personal loans provide flexibility in financing various expenses, borrowers should always exercise responsible financial management to ensure they can comfortably repay the loan according to the agreed terms and interest rates.

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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.

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!

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)

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.

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.

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.

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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Port Hedland, WA 6721

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.