Google RatingsGet the Perfect Loan Anywhere in Australia
Find out why happy clients nationwide choose Unlocked.
70
Lenders
Access to 70+ lenders — banks,
regionals, credit unions, and non-banks.
100
Independent
We work for you,
not the banks.
5
Star Service
Our clients become our biggest
advocates — and we’re proud of that.
Mortgage Brokers Who Work for You — Not the Banks
Proudly Australian-owned and independent since 2015
Whether you’re buying your first home, reviewing a loan that no longer feels right, or growing a business that needs funding — we’re here to give you the full picture and let you decide.
At Unlocked, we compare home loans, refinancing options, and business finance across 70+ lenders. Not just the Big Four. The full market — banks, regional lenders, credit unions, and non-banks. That’s choice a single bank branch simply can’t offer.
We’re based in Toowoomba and work with clients from Queensland to the coast and everywhere in between. Every client gets one dedicated broker from first conversation to settlement — no handoffs, no being passed around, no having to repeat yourself.
We’ve been helping Australians unlock their financial options for close to a decade. We’d love the opportunity to do the same for you.
Sam & Chloe Benz
How Can We Help You
Your Path to a Perfect Loan Starts Here
1
Book Your Free Consultation
Tell us what you’re working towards. No paperwork yet — just a conversation.
2
We Search the Market for You
We compare options across 70+ lenders and present you with a clear picture of what’s available.
3
We Handle the Details
From application to approval to settlement — we manage the process so you don’t have to.
4
You Get the Right Loan
Not just any loan. The one that fits your goals, your budget, and your life.
Less Back-and-Forth. More Getting It Done.
Dealing with banks directly can mean weeks of forms, repeated calls, and no guarantee of the best result. We do the running around for you — across 70+ lenders simultaneously — and come back with options, not questions.
Why Australians Choose
Unlocked
Not aligned to any bank. Not incentivised by any lender. Just the right loan for your situation, from a broker who stays with you from start to finish.
100% Independent Advice
We’re not aligned to any bank or lender. Our only job is to find the right option for you.
One Dedicated Broker
The broker you meet first is the broker who sees your loan through — start to finish.
Ongoing Loan Support
We check in after the settlement, too. If your rate stops being competitive, we’ll let you know.
Plain-English Communication
No jargon, no fine-print surprises. We explain everything in terms that actually make sense.
Comparing business finance options across 70+ lenders — banks, specialist lenders, and non-bank financiers.
Frequently Asked Questions
Everything you need to know about working with Unlocked.
Why Choose Unlocked?
A few things set us apart. We’re 100% independent — not aligned to any bank — which means our only job is finding the right loan for you. We access 70+ lenders, including options your bank will never show you. Every client gets one dedicated broker from start to finish, and we stay in touch after settlement to make sure your loan keeps working hard for you. Our service is free to clients — we’re paid by lenders on settlement.
What services does Unlocked offer?
We cover the full range: home loans for first buyers, upgraders, investors, and owner-builders; refinancing and rate reviews; self-employed and low-doc loans; guarantor loans; construction loans; debt consolidation; business finance including equipment, chattel mortgages, and agri finance; and commercial property loans. If it involves borrowing, we can help.
Can Unlocked help me if I'm not in Toowoomba?
Absolutely. We’re based in Toowoomba but work with clients across Australia. Most of our process is phone, video, and online — so whether you’re in Brisbane, Sydney, regional Queensland, or anywhere in between, we can help. We’re well-versed in state-specific schemes, stamp duty concessions, and lending requirements across the country.
Tools to Help You Get Started
Knowledge is the first step. Use our free tools to get a quick picture of where you stand — then talk to us about what it means for your situation.
Borrowing Capacity Calculator
Find out how much you may be able to borrow based on your income, expenses, and deposit.
Fixed Loan Expiry Check
Fixed rate ending soon? See how your repayments may change when it rolls over — before it happens.
Loan Health Check
See how your current loan compares to what’s available. A quick check that could open up your options.
Free Rate Review Tool
The RBA has raised rates twice in 2026. See what you could save across 70+ lenders in 60 seconds. Free, no obligation.
Lender Match & Repayment Estimator
See estimated monthly repayments and which lenders suit your deal — in seconds.
Latest from Unlocked
Market updates, practical guides, and straight-talking finance education — to help you make better decisions.
