Total Home Loans - est 1994

Total Home Loans - est 1994 Total Home Loan Options has over 30 years experience assisting locals with their borrowing needs.

Sharene’s journey into home loans began in 1991 in Adelaide, SA, where she started by helping her mum, one of the Adelaides first mortgage brokers. Since 1994, Sharene has been a broker, gaining extensive experience in rural areas and assisting clients across Australia. With the flexibility brought on by COVID, she has taken her work on the road, embracing a decade-long plan to travel slowly around Australia while continuing to support her clients nationwide.

20/06/2026

✨"Today is your opportunity to build the tomorrow you want."✨

Whether it’s buying your first home, upgrading, investing, or simply improving your financial knowledge — small steps today create big changes tomorrow. 🌱

Your future self will thank you for starting now. 🚀

As the financial year comes to an end, it could be a right time to check whether your home loan is still working for you...
20/06/2026

As the financial year comes to an end, it could be a right time to check whether your home loan is still working for you.

With interest rates and living costs putting pressure on many households, your mortgage should not be a “set and forget.”

Message us today and let’s check your loan so you can start the new financial year with more confidence.

19/06/2026

💍🏠Marry the home, date the rate… and divorce the lease!

👉 The perfect reminder for buyers:
✅ Marry the home you LOVE and can see yourself in long-term
✅ Date the rate — interest rates can change over time and you can always refinance later
✅ Divorce the lease — stop paying rent and start building YOUR future!

Key takeaway: You don’t have to wait for “perfect rates” to buy the right property — but you DO need a strategy that matches your goals.

💬 If you’re ready to break up with your landlord and commit to your own home, let’s chat. 💌

The RBA has held the cash rate at 4.35%.For homeowners, interest rates and repayments are likely to stay steady for now,...
16/06/2026

The RBA has held the cash rate at 4.35%.

For homeowners, interest rates and repayments are likely to stay steady for now, especially if you’re on a variable rate loan. For buyers, borrowing power is likely to remain largely unchanged.

If you’re unsure what this means for your home loan or property plans, message us today.

15/06/2026

📚 Term of the Week: Substitution of Security (also called Loan Portability)

What is it?
It allows you to keep your existing home loan when buying and selling — by simply swapping the property the bank holds as security! 🏡➡️🏡

Think of it like this: you’re “swapping out” one property for another, keeping the same loan.

Key things to know:
✅ The property swap must happen on the same day (simultaneous settlement)
✅ Your loan amount stays the same
✅ Your LVR (Loan to Value Ratio) position must stay the same
✅ Your loan term remains unchanged (no variations)
✅ The good news — generally no full loan reassessment is required 🙌, just some bank forms + valuation of the new property to confirm LVRs.

✨ This is a great way to avoid refinancing costs and keep your loan history intact when upgrading or downsizing!

11/06/2026

🏡✨ Happy Friday!

Weekends are for house hunting 🏃‍♀️🏃‍♂️ … and maybe a little dreaming too! 💭

What’s YOUR property plan this weekend?
👉 Are you hitting open homes?
👉 Scrolling listings?
👉 Exploring new suburbs?

💬 Whatever stage you’re at — remember, getting your finances prepped FIRST puts you in the driver’s seat. 🚗💨

Here’s to finding that perfect place! 🏡💛

With interest rates increasing, it’s no surprise many homeowners are reviewing their loan options.A fixed rate can offer...
11/06/2026

With interest rates increasing, it’s no surprise many homeowners are reviewing their loan options.

A fixed rate can offer repayment certainty, while a variable rate may give you more flexibility. Some borrowers also choose a split loan to get a bit of both.

Not sure what’s right for you? Contact us today and let’s review your options.

10/06/2026

💍🏡 “If you liked it, then you shoulda put a ring on it…” .. or in this case, put an OFFER on it! 😂

👉 Don’t miss out on that dream home because you weren’t prepared!
👉 Get your pre-approval sorted FIRST — before you start falling in love at open homes.

💡 A pre-approval means you’re ready to move quickly when the right property comes along… because as we know, good ones don’t hang around! 🏃‍♀️🏃‍♂️💨

💬 Need help getting your ducks in a row? I’m here to guide you. 🦆✅

09/06/2026

Got an investment pre-approval? Pause before you buy. 🛑🏡

Thinking of buying an investment property with an existing pre-approval?

You may need to stop and check your numbers again. 👀

Following the Federal Budget announcement, some lenders have already started changing how they assess negative gearing when calculating borrowing capacity.

That means your current pre-approval may not automatically mean you can still borrow the same amount — especially if you’re buying an established investment property.

The key issue? Your lender may now assess your ability to repay the loan differently. 🏦

Before you sign a contract or rely on an old approval, let’s review:

✅ Your current lender’s policy ✅ Whether your property type still qualifies ✅ Your updated borrowing capacity ✅ Whether your approval needs to be refreshed

The goal posts are moving — and this is exactly when good advice matters. ⚽️

📲 Already pre-approved for an investment purchase? Message me before you make your next move.

Australia’s national property market was flat in May, with Cotality’s Home Value Index recording 0.0% growth.Sydney and ...
09/06/2026

Australia’s national property market was flat in May, with Cotality’s Home Value Index recording 0.0% growth.

Sydney and Melbourne went down, while Perth and Darwin continued to grow. This shows that every market is different, so it’s important to understand your options before buying, refinancing or investing.

If you’re thinking about your next move, let’s chat today.

Address

2 Marryatt Street
Port Augusta, SA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 2:30pm
Sunday 10am - 3:30pm

Telephone

+61886411564

Website

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