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
Welcome to Unlocked Finance, your local key to unlocking the perfect home loan in Toowoomba and the surrounding region. For over two decades, we’ve been helping homeowners like you navigate the complex world of mortgages with one simple goal: to secure you the ideal home loan.
Why Choose Unlocked Finance for Your Home Loan?
Whether you’re a first-time homebuyer, looking to refinance, or investing in property, we’re here to guide you every step of the way. At Unlocked Finance, we’re not just finding you a home loan – we’re helping you open the door to your future.
Ready to unlock your perfect home loan? Contact Unlocked Finance today, and let’s start your journey to homeownership together.
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.
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.
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.
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.
Here are answers to the most commonly asked questions!
A Toowoomba mortgage broker acts as your personal loan specialist, comparing hundreds of loan products across multiple lenders to find the best rates and terms for your situation. They have access to exclusive broker-only deals, can negotiate with lenders on your behalf, and often secure better interest rates than going directly to a bank. Their local knowledge of the Toowoomba property market also helps tailor solutions to regional buying conditions.
As Toowoomba Mortgage Brokers, we offer our services free of charge to borrowers, as we receive commissions from lenders when your loan settles. This commission doesn’t affect your interest rate or loan terms. Some brokers may charge fees for complex applications or commercial loans, but they’ll always disclose any costs upfront.
The typical timeline from initial consultation to loan approval in Toowoomba is 2-4 weeks, depending on your circumstances. Pre-approval can often be obtained within 48 hours. Your broker will manage the entire process, including document collection, application submission, and liaison with lenders, making it more efficient than handling it yourself.
Local Toowoomba mortgage brokers offer distinct advantages including face-to-face meetings, deep understanding of the regional property market, established relationships with local real estate agents and solicitors, and knowledge of area-specific lending policies. They can also provide personalised guidance about Toowoomba’s growth areas and investment opportunities.
For a standard home loan application, you’ll typically need to provide:
At Unlocked Finance, we’re big believers in empowering you with great information. Use our calculators, download our free guides etc.
