Get In Touch: 1800 286 562


  • propertyfinace

Your 5-star finance and mortgage broking firm

First Home Buyers

Unlocked Finance For a Fully Informed Property Purchase

Buying a home is said to be one of the biggest financial decisions most people will make in their life time, with the home loan being a key part of that decision.

The team at Unlocked Finance is focused on delivering you a personalised service and competitive finance solutions for your first home purchase, whether it is an existing home or a land and construction transaction.

Unlocked Finance sources lending options for property located in Toowoomba, Warwick, Dalby, Gatton and across the Darling Downs, Queensland and throughout Australia. We are truly your one stop shop for finance needs anywhere in Australia.

We understand that buying your first home can be a stressful experience as you ponder whether you've made the right choice and whether you will be successful in obtaining a home loan. Your Unlocked Finance mortgage broker and finance consultant is there to lead you through the process so that you always feel in control and fully informed from start to finish.

What's the process?

After making the decision to become a home owner, the next step is to prepare your finances and book an appointment with your Unlocked Finance broker. All you need to bring is evidence of your current income, deposit, debts and expenses so your consultant can work out your borrowing capacity, calculate potential repayments and determine a purchase price range that you are comfortable with and can afford to repay.

Unlike some of the other states in Australia, home buyers sign a purchase contract at the beginning of the process. The contract specifies the details of the property you are purchasing, the buyer/seller, the price and other relevant information. Prior to signing a contract, Unlocked Finance strongly recommends that you consult a solicitor to obtain legal advice on the purchase, the timeframes and other contract conditions. One of the important conditions on the contract relate to the finance and settlement dates. Your solicitor will advise you on appropriate timeframes to ensure there is sufficient time for the solicitor, Unlocked Finance and the lender to complete all the necessary tasks before the finance approval date and settlement.

It is also important to be aware of some fantastic incentives offered to first home buyers. These include the first home buyers grant for new homes and the transfer/stamp duty concessions available. Further information is available at

Buying your first home does not need to be a daunting or stressful experience. Embrace the excitement and call us today.

investment units


Like all investment strategies, one of the main contributing factors to a successful investment is the finance structure that supports it.

Along with appropriate planning and market research, sourcing and selecting the right finance is the foundation to a successful investment property. Investment properties include residential houses, units, townhouses, duplex accommodation and other properties designed for residential occupation.

Unlocked Finance has a range of lenders that specialise in lending for investment properties in Toowoomba and across Australia. The team at Unlocked Finance will source lending options to suit your current needs and future investment plans.

Refinancing Loan Refinancing

Loan Refinancing in Brisbane To Bring The Change In Financial Requirements

Life is all about change!

As we go through life our personal and lifestyle circumstances will evolve, and along with that our financial requirements also need to change.

Home owners look at refinancing options for many reasons. Some people look at refinancing to draw on available equity they have built over the years to purchase additional property, renovate, buy a car, or pay off personal debt.

In other cases, the home owner may be dissatisfied with the service of their current lender, or the rates and features of their home loan product and want to explore better options in the market.

Whatever the scenario, Unlocked Finance will explore your home loan options and give you choice in achieving your goals.


  • TOOWOOMBA: 68 West Street Toowoomba Qld
  • WARWICK: 151A Palmerin St, Warwick, QLD 4370.
  • PO BOX 3047 Toowoomba

Get in contact