Total Lending and Finance Solutions

04/06/2026

🏡 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫 𝐢𝐧 𝐕𝐢𝐜𝐭𝐨𝐫𝐢𝐚? 𝐘𝐨𝐮𝐫 𝐝𝐫𝐞𝐚𝐦 𝐡𝐨𝐦𝐞 𝐜𝐨𝐮𝐥𝐝 𝐛𝐞 𝐜𝐥𝐨𝐬𝐞𝐫 𝐭𝐡𝐚𝐧 𝐲𝐨𝐮 𝐭𝐡𝐢𝐧𝐤!

Buying your first home doesn't have to be overwhelming. With the right advice and access to government initiatives, you may be able to purchase a home sooner than expected.

✅ Australian Government 5% Deposit Scheme*
✅ First Home Owner Grant (FHOG)*
✅ Stamp Duty Concessions*
✅ Tailored lending solutions to suit your circumstances

At 𝐓𝐨𝐭𝐚𝐥 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 & 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 (𝐓𝐋𝐅𝐒), we help first home buyers navigate the lending process from start to finish, making home ownership simpler and more achievable.

𝐏𝐫𝐨𝐦𝐢𝐬𝐞𝐬 𝐊𝐞𝐩𝐭.

Eligibility criteria, lending criteria, terms and conditions apply.

01/06/2026

⭐️⭐️⭐️⭐️⭐️ 𝐀𝐧𝐨𝐭𝐡𝐞𝐫 𝐇𝐚𝐩𝐩𝐲 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫!

Helping our clients achieve their property goals is what we love most.

Thank you, 𝐂𝐡𝐫𝐢𝐬𝐡𝐚𝐧𝐞 𝐀𝐦𝐚𝐫𝐚𝐬𝐞𝐤𝐚𝐫𝐚, for your kind words and trust in our team.
✨ Promises Kept

27/05/2026

𝐒𝐭𝐫𝐮𝐠𝐠𝐥𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐡𝐢𝐠𝐡 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬?

I’m currently offering a special program designed to significantly reduce your mortgage payments for the entire first year of your loan.

✅ Lower repayments
✅ More breathing room in your budget
✅ Ideal for homeowners and refinancers

Message me today to find out if you qualify and how much you could save! 📩𝐰𝐰𝐰.𝐭𝐨𝐭𝐚𝐥𝐥𝐞𝐧𝐝𝐢𝐧𝐠𝐟𝐬.𝐜𝐨𝐦.𝐚𝐮

18/05/2026

28/04/2026

28/04/2026

𝑹𝑰𝑺𝑰𝑵𝑮 𝑹𝑨𝑻𝑬𝑺 𝑷𝑹𝑶𝑴𝑷𝑻 𝑳𝑶𝑨𝑵 𝑹𝑬𝑽𝑰𝑬𝑾𝑺

After two rate rises this year – and the possibility of more – many borrowers are no longer sitting still.

They’re asking a simple question: could I be doing better?

This comes as some banks raise their fixed rates, in anticipation of future Reserve Bank rate hikes.

𝙒𝙝𝙚𝙧𝙚 𝙧𝙚𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙣𝙜 𝙘𝙖𝙣 𝙝𝙚𝙡𝙥 𝙧𝙞𝙜𝙝𝙩 𝙣𝙤𝙬

Switching loans can help you secure a more competitive rate and reduce your monthly repayments.

It can also give you the chance to restructure your loan to suit current conditions.

In a rising-rate environment, even small differences can add up quickly.

𝘽𝙪𝙩 𝙩𝙝𝙚𝙧𝙚 𝙖𝙧𝙚 𝙩𝙧𝙖𝙙𝙚-𝙤𝙛𝙛𝙨

Refinancing isn’t always the right move.

Things to watch include:
switching costs and fees.
resetting your loan term.
losing useful features like offset or flexibility.

𝙏𝙝𝙚 𝙠𝙚𝙮 𝙙𝙚𝙘𝙞𝙨𝙞𝙤𝙣

It’s not just about chasing a lower rate – it’s about whether your current loan still fits your situation.

I can help you compare what you have now with what’s available and work through whether refinancing makes sense at this point in the cycle.

24/02/2026

𝐇𝐈𝐆𝐇𝐄𝐑 𝐑𝐄𝐏𝐀𝐘𝐌𝐄𝐍𝐓𝐒 𝐀𝐑𝐄 𝐑𝐎𝐋𝐋𝐈𝐍𝐆 𝐓𝐇𝐑𝐎𝐔𝐆𝐇

Your next repayment may already look different.

February’s rate rise is now flowing into home loan repayments, with most variable-rate borrowers seeing higher monthly costs after the Reserve Bank increased the cash rate.

𝐇𝐨𝐰 𝐭𝐡𝐚𝐭 𝐚𝐟𝐟𝐞𝐜𝐭𝐬 𝐲𝐨𝐮 𝐝𝐞𝐩𝐞𝐧𝐝𝐬 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐥𝐨𝐚𝐧 𝐭𝐲𝐩𝐞

𝐕𝐚𝐫𝐢𝐚𝐛𝐥𝐞-𝐫𝐚𝐭𝐞 𝐥𝐨𝐚𝐧𝐬 Repayments increase once lenders pass on changes. The impact is felt almost immediately.
𝐅𝐢𝐱𝐞𝐝-𝐫𝐚𝐭𝐞 𝐥𝐨𝐚𝐧𝐬 Repayments stay the same until the fixed term ends. New fixed rates are generally higher than they were a few months ago.

Lenders don’t always move in perfect sync. Some pass on the full change. Others adjust differently or tweak pricing later.

That’s why it helps to look beyond headlines and check your actual numbers.

I model repayment scenarios under current rates and potential future movements so clients understand what the year ahead could look like.

𝐀 𝐪𝐮𝐢𝐜𝐤 𝐫𝐞𝐯𝐢𝐞𝐰 𝐧𝐨𝐰 𝐜𝐚𝐧 𝐩𝐫𝐞𝐯𝐞𝐧𝐭 𝐬𝐮𝐫𝐩𝐫𝐢𝐬𝐞𝐬 𝐥𝐚𝐭𝐞𝐫. 𝐂𝐨𝐧𝐭𝐚𝐜𝐭 𝐦𝐞 𝐚𝐧𝐝 𝐈’𝐥𝐥 𝐦𝐚𝐩 𝐨𝐮𝐭 𝐲𝐨𝐮𝐫 𝐥𝐢𝐤𝐞𝐥𝐲 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐟𝐨𝐫 𝟐𝟎𝟐𝟔 𝐚𝐧𝐝 𝐛𝐞𝐲𝐨𝐧𝐝..

26/11/2025

𝗘𝗫𝗣𝗔𝗡𝗗𝗘𝗗 𝟱% 𝗦𝗖𝗛𝗘𝗠𝗘 𝗢𝗣𝗘𝗡𝗦 𝗠𝗢𝗥𝗘 𝗗𝗢𝗢𝗥𝗦

The government has expanded the 5% Deposit Scheme, making it more accessible for first home buyers who want to enter the market without a large deposit.

There are now no income caps, unlimited places and higher property price caps – ranging from $500,000 in regional South Australia to $1.5 million in Sydney.

If you’ve written off the scheme in the past because your budget didn’t fit the old limits, it may be worth revisiting.

𝐊𝐞𝐲 𝐭𝐡𝐢𝐧𝐠𝐬 𝐭𝐨 𝐤𝐧𝐨𝐰 𝐛𝐞𝐟𝐨𝐫𝐞 𝐚𝐩𝐩𝐥𝐲𝐢𝐧𝐠
* You must live in the home as your principal residence.
* Higher price caps do not increase how much you can borrow.
* A government guarantee does not replace normal credit checks.

This 5% Deposit Scheme can be a smart pathway into ownership, but you want to make sure the repayments fit comfortably. I can show you how the numbers look with and without the scheme.

28/10/2025

𝐀𝐒 𝐁𝐀𝐍𝐊 𝐑𝐄𝐓𝐑𝐄𝐀𝐓,
𝐁𝐑𝐎𝐊𝐄𝐑𝐒 𝐓𝐀𝐊𝐄 𝐓𝐇𝐄 𝐋𝐄𝐀𝐃

Fewer branches don’t have to mean fewer options.

Canstar reports that the number of bank branches has fallen 5% in the past year and 33% over five years as banks shift services online. That means fewer face-to-face options and longer wait times for support.

But at the same time, Australians are choosing brokers in record numbers.

New data from Cotality, commissioned by the Mortgage & Finance Association of Australia, shows brokers now write 77.6% of new home loans, up from 67.2% just two years ago.

𝐖𝐡𝐲 𝐦𝐨𝐫𝐞 𝐛𝐨𝐫𝐫𝐨𝐰𝐞𝐫𝐬 𝐚𝐫𝐞 𝐭𝐮𝐫𝐧𝐢𝐧𝐠 𝐭𝐨 𝐛𝐫𝐨𝐤𝐞𝐫𝐬
⦁ 𝐌𝐨𝐫𝐞 𝐜𝐡𝐨𝐢𝐜𝐞. Brokers compare dozens of lenders, not just one.
⦁ 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐬𝐮𝐩𝐩𝐨𝐫𝐭. They manage your application from start to finish.
⦁ 𝐘𝐨𝐮𝐫 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭𝐬 𝐟𝐢𝐫𝐬𝐭. Brokers are legally bound by the Best Interests Duty – banks aren’t.

As banking moves online, having a broker means having real help when you need it.

𝑺𝒆𝒆 𝒉𝒐𝒘 𝒚𝒐𝒖𝒓 𝒍𝒐𝒂𝒏 𝒔𝒕𝒂𝒄𝒌𝒔 𝒖𝒑
https://totallendingfs.com.au/contact-us/