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Your Path to Perfect Toowoomba Home Loans

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!

Cory Fogarty

Welcome to Your Toowoomba Mortgage Brokers

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?

  1. Local Market Leaders
  • Independent, Toowoomba-owned business with deep community connections
  • Specialised knowledge of regional property trends and lending requirements
  • Tailored solutions for unique Toowoomba property opportunities
  1. Access to Superior Lending Options
  • Partnerships with more than 25 leading financial institutions
  • Exclusive access to broker-only home loan products
  • Competitive rates specifically negotiated for Toowoomba buyers
  1. Dedicated Support Throughout Your Journey
  • One consistent broker from application to settlement
  • Regular progress updates on your home loan application
  • Face-to-face consultations at times that suit you
  1. Transparent Communication
  • Simple explanations of complex lending terms
  • Clear breakdown of all home loan costs and features
  • Honest advice about your borrowing capacity
  1. Proven Track Record
  • Thousands of successful Toowoomba home loans arranged
  • Expertise in all loan types: first home, refinancing, investment
  • Strong relationships with local real estate agents and solicitors

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

Helping You with Toowoomba Home Loans

Refinancing Home Loans

Looking to switch your Toowoomba home loan? Unlocked Finance makes refinancing straightforward and stress-free. Our local lending experts guide you through every step, ensuring you secure the best possible refinancing outcome.

Find out More

Construction Loans

Planning to build in Toowoomba? Unlocked Finance specialises in construction home loans, making your dream home journey simple and stress-free. Our experienced team understands the unique requirements of building in the Toowoomba region.

Find out More

First Home Buyers

Ready to start your homeownership journey in Toowoomba? Unlocked Finance helps you access every available grant and incentive, maximizing your home loan opportunities. Our local experts understand the complete range of Toowoomba property assistance programs.

Find out More

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

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

Why People Trust
Unlocked Finance for Home Loans

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.

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

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.

Borrowing Capacity Calculator

Fixed Loan Expiry Check

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.

Fixed Loan Expiry Check

Loan Health Check

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.

Loan Health Check

Toowoomba Home Loans FAQs

Here are answers to the most commonly asked questions!

What types of Toowoomba home loans are available for first-time buyers?

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.

How much deposit do I need for a home loan in Toowoomba?

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.

What's the current interest rate range for Toowoomba home loans?

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.

Can I refinance my existing Toowoomba home loan to get a better deal?

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.

What government grants are available for Toowoomba home loans?

Toowoomba homebuyers may be eligible for several Queensland government initiatives including:

  • First Home Owners’ Grant ($15,000 for new homes)
  • Regional First Home Owner Grant
  • First Home Loan Deposit Scheme
  • HomeBuilder Grant (when available)
  • Stamp duty concessions for first-time buyers

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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