Personal Loans
Our personal Loans are designed to be versatile and quick
Rated 5 from 32 Reviews
Our personal Loans are designed to be versatile and quick
Rated 5 from 32 Reviews
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:
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.
CB
Callum Barnes
Russell was extremely helpful and knowledgeable in helping me get approved to buy my first home. I was able to borrow more than I could which opened up a new door to buying potential for me. He was extremely efficient and was always available to answer any questions I had!
DR
Dane Ross
Very helpful, friendly and professional. Helped us every step of the way. Cannot recommend highly enough
CS
Carmen Stewart
I cannot recommend Russell Briggs highly enough! From start to finish, he demonstrated exceptional knowledge and professionalism in every aspect of his work. He guided us seamlessly through the process of acquiring finance for our SMSF, ensuring we understood every step along the way. Russell’s remote services are ideal for busy individuals—everything was handled efficiently without the need to leave our home. No matter which state you’re in, he can help you achieve your financial goals. We have truly found our forever finance broker and wouldn’t consider using anyone else. If you’re looking for a reliable, approachable, and experienced financial advisor, Russell is the one to call!
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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