Skip to main content

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 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

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?

  1. Unbiased Expertise: As an independent, locally owned and operated business, we’re not tied to any bank. This means our loyalty lies solely with you, ensuring we find the best possible home loan for your unique situation.
  2. Extensive Options: We meticulously search through over 25 lending providers to uncover the very best deal for your home loan needs.
  3. Personal, Start-to-Finish Service: The broker you meet initially will be with you throughout your entire journey. No frustrating handoffs or confusing transitions – just consistent, dedicated support.
  4. Clear Communication: We believe in jargon-free explanations and regular updates. You’ll always know where you stand in the home loan process.
  5. 20+ Years of Local Experience: Our deep roots in the Toowoomba community mean we understand the local real estate market and can tailor our approach to your specific needs.

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

How Can We Help You

Refinancing Home Loans

Don’t let the complexities of refinancing your loan hold you back. Let Unlocked Finance be your key to a smooth, confident journey to refinancing.
Find out More

Construction Loans

Looking at building your dream home? Let the team at Unlocked Finance save you the hassle of turning up the very best finance for you and your family.
Find out More

First Home Buyers

Take the first step towards your new home and find out more about the grants that may be available. Contact Unlocked Finance today and unlock your future..
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 Toowoomba Homebuyers 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.

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

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
Toowoomba Mortgage Brokers

Why use a Home Loan Broker

Purchasing a home is one of the most significant financial decisions most people will make…
March 28, 2023 Read More
What is this thing called HEM
Toowoomba Mortgage Brokers

What is this thing called HEM

Understanding the Household Expenditure Measure (HEM) in Australian Home Loans The Household Expenditure Measure (HEM)…
March 28, 2023 Read More