Skip to main content

Get the Perfect Loan

Find out why our happy clients chose Toowoomba Brokers, Unlocked Finance.

25
Banks

Using our network of 25+ banks,
we find your perfect loan.

100
Independent

We work for you,
not the banks.

5
Star Results

We’re in the business of making
our clients, our fans!

Welcome to Unlocked Finance

Locally owned and operated since 2015

Thank you for dropping by Unlocked Finance. As Toowoomba Brokers, we’re a locally owned, and operated business that simply put, has one goal, and that is to get you the perfect loan. That loan might be for a house, a car or for your business. Whatever loan you need, you can count on us to meticulously sort through over 25 lending providers to source you the very best deal.

At Unlocked Finance, unlike other Toowoomba brokers, we’re not affiliated with any bank and are completely independent. This means that that you can be rest assured that we’re totally dedicated to getting you the best loan that we possibly can.

In doing so, we’ll be guiding you on every step. You can expect from us, jargon-free communication and regular updates along the way. We won’t leave you hanging!

In fact, the broker you first meet with, will be with you from start to finish. This means, unlike other brokers and banks, that you’re not going to become frustrated and annoyed by being passed around to different people, who may also be in different locations across Australia.

I’m proud to say that our Toowoomba Brokers been helping people in Toowoomba and the surrounding region get the perfect loan for close to a decade! We’d love the opportunity of helping you do the same.

Sam & Chloe Benz

How Can We Help You

Home Loans

Unlock the door to your dream home with our tailored home loan solutions. Whether you’re upgrading, downsizing, or investing, our expert team will guide you to the perfect mortgage that fits your unique needs and budget.

Find out more

First Home Buyers

Take the first step towards homeownership with confidence and ease. Our dedicated first home buyer specialists will demystify the process, help you access grants and incentives, and secure a competitive loan to make your homeownership dreams a reality.

Find out more

Business Finance

Fuel your business growth with flexible financing options designed for entrepreneurs. From equipment purchases to working capital, we’ll connect you with the right lenders to power your business forward without breaking the bank.

Find out more

Your Path to a Perfect Loan Starts Here

1

Book Your Free Consultation

Let’s discuss your goals.

2

We Craft Your Personal Plan

Using our network of 25+ banks, we find your perfect loan.

3

We Handle the Details

From paperwork to settlement, we’re with you every step.

4

You Get the Loan

Secure your new loan knowing you made the best decision.

Get to Yes Quicker with Unlocked Finance

You probably know through experience that dealing with banks can be time-consuming. The constant back and forward slows things up. Not at Unlocked Finance, we get the results that you want faster.

Book a Free Consultation

Why Toowoomba People Trust
Unlocked Finance

You probably know through experience that dealing with banks can be time-consuming. The constant back and forward slows things up. Not at Unlocked Finance, we get the results that you want faster.

100% Independent Advice

We work for you,
not the banks.

One Dedicated Broker

Your personal guide from start to finish.

Ongoing Optimisation

We ensure your loan remains competitive, even after settlement.

Jargon-Free Communication

Complex terms, simplified for you.

We’ll do a deep dive into thousands of loans offered by 25+ leading lenders to find you the perfect fit

Frequently Asked Questions

Here are answers to the most commonly asked questions!

Why Choose Toowoomba Brokers, "Unlocked Finance"?

At Unlocked Finance, we offer a unique combination of expertise, personalised service, and a commitment to your financial success.

Here’s why we stand out:

  • Extensive Experience: Our team brings years of experience in finance broking across various sectors, ensuring expert guidance for your specific needs.
  • Wide Lender Network: We have established relationships with numerous lenders, giving you access to a broad range of financial products and competitive rates.
  • Client-Centric Approach: We prioritise your needs and goals, tailoring our services to your unique financial situation and aspirations.
  • Transparency: We believe in clear communication, ensuring you understand all aspects of your financial options and decisions.
  • Ongoing Support: Our relationship doesn’t end after securing your loan. We provide continuous support and regular reviews to ensure your financial strategy remains optimal.
  • Innovation: We leverage the latest financial technologies and market insights to provide you with cutting-edge solutions and advice.
  • Holistic Financial Solutions: Whether you need a home loan, business finance, or investment strategies, we offer comprehensive services to address all your financial needs.

How Can Unlocked Finance Help Me?

Unlocked Finance offers a wide range of services to help you achieve your financial goals:

  • Home Loans: We can assist in finding the right mortgage for first-time buyers, refinancers, or property investors.
  • Business Finance: From equipment loans to working capital solutions, we help businesses access the funding they need to grow and thrive.
  • Commercial Property Loans: We specialise in securing financing for commercial real estate purchases or developments.
  • Personal Loans: Whether for debt consolidation, major purchases, or other personal needs, we can help you find suitable personal loan options.
  • Loan Restructuring: If your current loans aren’t working for you, we can help restructure your debt for better terms and conditions.
  • Insurance: We can assist in finding the right insurance products to protect your assets and secure your financial future.

Can Unlocked Finance Helped Me Across Australia?

Yes, Unlocked Finance is proud to offer our services Australia-wide. While we have a strong presence in certain areas, our expertise and services are available to clients across the entire country. Here’s how we ensure comprehensive support throughout Australia:

  • National Lender Network: Our relationships with lenders span the entire country, allowing us to secure great deals for clients regardless of their location.
  • Remote Consultations: We offer phone and video consultations, making our services accessible no matter where you are in Australia.
  • Online Application Process: Our streamlined online processes allow clients from any part of Australia to easily apply for loans and financial services.
  • Local Market Knowledge: Despite being a national service, we maintain up-to-date knowledge of local property markets and business environments across Australia.
  • Tailored Solutions: We understand that financial needs can vary based on location, and we tailor our solutions to suit the specific requirements of each Australian region.
  • Compliance Across States: We are well-versed in the regulatory requirements of different Australian states and territories, ensuring compliant and smooth processes everywhere. Whether you’re in a bustling city center or a remote rural area, Unlocked Finance is committed to providing you with top-notch financial services and support. Our goal is to make expert financial advice and solutions accessible to all Australians, helping you unlock your financial potential no matter where you call home.

Some Useful Things!

At Unlocked Finance, we’re big believers in empowering you with great information. Use our calculators, download our free guides etc.

Borrowing Capacity Calculator

Discover your true financial potential with our Loan Borrowing Capacity calculator – unlock insights into how much you can borrow and take the first step towards your dream property or business expansion.

Borrowing Capacity Calculator

Fixed Loan Expiry Check

Prepare for your financial future in just 60 seconds with our Fixed Loan Expiry Rate Calculator – instantly see how your repayments might change when your fixed term ends and stay one step ahead of your mortgage.

Fixed Loan Expiry Check

Loan Health Check

Ensure your current loan is still working hard for you with our quick and easy Loan Health Check calculator – it could save you thousands and uncover better options tailored to your evolving financial needs.

Loan Health Check

Latest News on Loans

At Unlocked Finance, we’re big believers in empowering you with great information. Use our calculators, download our free guides etc.

Filter

Property Valuations: A Critical Step in Your Home Loan Journey
Home Loan

Property Valuations: A Critical Step in Your Home Loan Journey

You’ve found your dream home or a great investment, but before you move forward, there's…
December 4, 2024 Read More
Unlocking Opportunities: How Mortgage Brokers Are Shaping Toowoomba's Property Landscape
Toowoomba Finance Brokers

Unlocking Opportunities: How Mortgage Brokers Are Shaping Toowoomba’s Property Landscape

Toowoomba and Regional Queensland have emerged as beacons of steady growth and opportunity in the…
October 18, 2024 Read More
Broker Boom: How 7 in 10 Aussie Homebuyers Are Navigating the Property Market
Mortgage Broker

Broker Boom: How 7 in 10 Aussie Homebuyers Are Navigating the Property Market

In an era of economic uncertainty and fluctuating interest rates, Australian property seekers are increasingly…
October 15, 2024 Read More