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 Keys
Secure your new home 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!
Locally owned and operated since 2015
For over a decade, we’ve been the trusted name in Toowoomba home loans, helping local families achieve their property dreams. Our mission is simple: matching you with the perfect home loan solution while making the entire process smooth and stress-free.
Why Trust Us With Your Toowoomba Home Loan?
Our Commitment to You
At Unlocked Finance, we understand that every Toowoomba home loan is unique. Whether you’re buying your first home in Rangeville, upgrading to a family residence in Middle Ridge, or investing in Harristown’s growing market, we’re here to help you secure the right financing solution.
Take the First Step
Ready to explore your Toowoomba home loan options? Contact Unlocked Finance today and discover why we’re the region’s most trusted mortgage specialists. Your path to property success starts here.
Sam & Chloe Benz
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.
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.
At Unlocked Finance, we’re big believers in empowering you with great information. Use our calculators, download our free guides etc.
Take control of your property journey with our comprehensive loan calculator – your first step to understanding your purchasing potential in Toowoomba’s dynamic real estate market. Our borrowing power calculator delivers instant insights into your Toowoomba home loan options and sets you on the path to property success.
Take control of your mortgage planning with our 60-second Fixed Rate Expiry Calculator – designed specifically for Toowoomba home loan holders approaching the end of their fixed term. Instantly understand how your repayments could change in today’s lending environment.
Discover if your current mortgage is still your best option with our rapid Toowoomba Home Loan Health Check calculator. In just minutes, uncover potential savings and better-suited lending solutions for your financial situation.
Here are answers to the most commonly asked questions!
First-time buyers in Toowoomba can access various loan options including First Home Loan Deposit Scheme loans with as little as 5% deposit, standard variable rate loans, fixed-rate options, and construction loans for new builds. Many lenders offer special packages for Toowoomba properties, particularly in developing suburbs like Highfields and Mount Lofty.
Most Toowoomba home loan providers require a minimum 20% deposit to avoid Lenders Mortgage Insurance (LMI). However, you can secure a loan with as little as 5-10% deposit, though this will incur LMI. With Toowoomba’s median house price around $500,000, a typical deposit might range from $25,000 to $100,000 depending on your circumstances.
Interest rates for Toowoomba home loans typically vary between lenders and loan types. Fixed rates, variable rates, and split loan options are available. Your rate will depend on factors like deposit size, loan type, and borrowing amount. Local lenders often offer competitive rates to attract Toowoomba buyers in this growing market.
Refinancing your Toowoomba home loan could save you thousands through lower interest rates, better features, or debt consolidation. Many homeowners review their loans every 2-3 years to ensure they’re still competitive, especially given recent market changes in the Toowoomba region.
Toowoomba homebuyers may be eligible for several Queensland government initiatives including:
At Unlocked Finance, we’re big believers in empowering you with great information. Use our calculators, download our free guides etc.
