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Your Path to a Perfect First Home Loan Starts Here

1

Book Your Free Consultation

Let’s discuss your home purchase goals.

2

We Craft Your Personal Plan

Using our network of 25+ banks, we identify the best first home loan options.

3

We Handle the Details

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

4

You Get the Keys

Secure your new home loan knowing you made the best decision.

Outstanding Service

Unlocked Finance provided outstanding service throughout our home buying process. Their expert guidance and support made everything smooth and straightforward. We’re now happily settled in our first home, and we couldn’t be more grateful. Highly recommended!

Cory Fogarty

Why First Home Buyers Choose Unlocked Finance

Find out why our happy clients chose 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!

Unlock Your Dream of Home Ownership

Unlock your first home dream: Expert guidance through Southeast Queensland’s lending maze.

Toowoomba’s Construction Loan Experts

Are you planning to build a new home or undertake major renovations? The world of construction loans can be complex and overwhelming. At Unlocked Finance, we’re here to make your journey from blueprint to move-in day as smooth as possible.

Why Choose Unlocked Finance for Your Construction Loan?

  • Specialised Expertise: Our team of dedicated brokers and lending assistants specialise in new home financing.
  • Hassle-Free Experience: We manage the complexities of construction loans, allowing you to focus on bringing your dream home to life.
    Ongoing Support: We’re with you at every stage, from initial planning to final completion.
  • Tailored Solutions: We understand that every building project is unique, and we structure your loan accordingly.
  • Clear Communication: We keep you informed throughout the process, explaining each step in plain language.

Understanding Construction Loans

A construction loan is different from a standard home loan:

  • Progressive Drawdowns: The loan is released in stages as your build progresses, matching your builder’s payment schedule.
  • Interest Savings: You only pay interest on the amount drawn down, not the full loan amount.
  • Flexible Structure: Many lenders offer interest-only payments during construction, switching to principal and interest upon completion.

How Progress Payments Work

Your lender will make payments directly to your builder at key construction stages:

  • Slab down or base
  • Frame stage
  • Lockup
  • Fit-out or fixing
  • Completion

These stages may vary based on your builder’s contract.

Our Construction Loan Service

Due to the complexity and ongoing support required for construction loans, we charge a fee for this specialised service. This ensures we can provide you with the dedicated attention your project needs from start to finish.

Sam & Chloe Benz

Get to Yes Quicker with Unlocked Finance

Dealing with banks isn’t fun! At Unlocked Finance, we have one objective, get you the best possible loan as fast as we can!

Book a Free Consultation

Why Toowoomba Home Builders 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

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.

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