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.

🏡 How Guarantor Loans Work — aka the Bank of Mum & Dad 😉Don’t qualify for a government guarantee scheme or an LMI waiver...
02/09/2026

🏡 How Guarantor Loans Work — aka the Bank of Mum & Dad 😉

Don’t qualify for a government guarantee scheme or an LMI waiver?

You may still have another option to help you avoid LMI and get into the property market sooner: a parental guarantor loan. 🚀

Here’s how it can work:

✨ Your parents — or another eligible close family member — use some of the equity in their property to support your loan.

✨ This can mean you don’t need the full 20% deposit.

✨ And potentially, you can avoid the additional cost of LMI.

Example 👉
Sarah’s parents came on as limited guarantors, using equity in their home to give Sarah the support she needed to buy her first property without a large deposit or LMI.

Pretty clever, right?
If you’re wondering whether a guarantor loan could help you get into your new home sooner, let’s chat and see whether it could work for you.

“I love the bank”… said no one, ever!So why use a mortgage broker instead?✨ We have access to 30+ lenders — not just one...
01/09/2026

“I love the bank”… said no one, ever!
So why use a mortgage broker instead?

✨ We have access to 30+ lenders — not just one.

✨ Our job is to understand you — your goals, your needs and even your quirks — then match your situation with the right lender and lending policy.

✨ Because it’s about way more than just the interest rate. It’s about finding the lender that actually says YES to your scenario.

Think of me as your mortgage matchmaker 💘

Except instead of awkward dates, you get a home loan that actually fits. 🏡

💬 DM me and let’s find the right lender match for you.

Spring can bring plenty of new properties onto buyers’ radars. Before spending every Saturday at open homes, it can help...
01/09/2026

Spring can bring plenty of new properties onto buyers’ radars.

Before spending every Saturday at open homes, it can help to have a clearer idea of your borrowing position.

A pre-approval can give you an indication of how much a lender may be prepared to lend, subject to its conditions, and help you set a more realistic property budget.

Get your finance sorted before you start house hunting. Contact us today!

🙌 That’s a wrap for August!As we head into a new month, I'd love to hear from you.💡 What finance tip or lesson resonated...
31/08/2026

🙌 That’s a wrap for August!

As we head into a new month, I'd love to hear from you.

💡 What finance tip or lesson resonated with you most this month?

📚 What money topic would you like me to cover next month?

Drop your thoughts in the comments or send me a DM. Whether you're just getting started or have a specific question, I'm here to help—without judgment.

Let's keep building your financial confidence, one step at a time. 💙

If your business is growing, your current space might not be keeping up.Whether you need a bigger office, warehouse, sho...
29/08/2026

If your business is growing, your current space might not be keeping up.

Whether you need a bigger office, warehouse, shopfront or business premises, a commercial loan may help you take the next step.

Let’s chat about finance for your next business move.

🎯 BUY OR SELL FIRST? The great property juggle 🤹‍♀️🏡Stuck on what to do first — buy your dream home or sell your current...
28/08/2026

🎯 BUY OR SELL FIRST? The great property juggle 🤹‍♀️🏡

Stuck on what to do first — buy your dream home or sell your current one? Here’s the rundown 👇

📦 SELL FIRST?
✅ Know exactly what you’ve got to spend
✅ No pressure to rush the sale
⚠️ Risk: you might be left couch-surfing while you house hunt

🔑 BUY FIRST?
✅ Snag that dream home before it’s gone
✅ Take your time moving out
⚠️ You could be stuck holding two home loans 😬
💥 Bridging Loans to the Rescue
These short-term loans give you up to 12 months breathing space to buy now, get your current home spruced up, styled, and sold — on your terms.

💡 Hot Tip: Bridging loans need planning, prep AND strategy.

✅ Know your numbers upfront
✅ Make sure you qualify before you dive in
✅ And always have a backup plan (because real estate never runs on schedule!)

📲 DM me to crunch the numbers and work out if a bridging loan fits your game plan — before you make your next big move.

📣 FUN FACT TIME! - A Little Family History! This week's fun fact is about someone very special to us—Sharene's mum, Val...
27/08/2026

📣 FUN FACT TIME! - A Little Family History!

This week's fun fact is about someone very special to us—Sharene's mum, Val. 💙
Fun fact?

Val was the first mortgage broker in South Australia, helping pave the way for an industry that has since guided countless Australians into their own homes. 🏡✨

Her passion for helping people and her pioneering spirit helped shape the mortgage broking profession in South Australia.

It's a legacy we're incredibly proud of, and one that continues through the family today with Sharene carrying on that commitment to helping clients achieve their property goals.

A pretty amazing family fun fact, don't you think?

🐾 Happy International Dog Day!Let’s be honest… brokers and dogs have a lot in common:✔️ We’re loyal✔️ We chase things re...
26/08/2026

🐾 Happy International Dog Day!

Let’s be honest… brokers and dogs have a lot in common:
✔️ We’re loyal
✔️ We chase things relentlessly (approvals, not sticks)
✔️ We work all hours
✔️ And we get overly excited when the postie drops off a formal approval 📬

Today’s the day we celebrate the real MVPs of the home loan journey — the furry friends who sit next to us during Zoom calls, bark during lender updates, and snooze through BDM presentations like true pros.

Got a pup that’s helped you through a tricky deal? Tag them below and show off your four-legged office assistant! 🐶💻

🏡 Property of the Week!Spotted a beauty? Here’s one worth a closer look 👀👇📍 Location: Port Augusta, SA 5700💰 Listed at: ...
25/08/2026

🏡 Property of the Week!

Spotted a beauty? Here’s one worth a closer look 👀👇

📍 Location: Port Augusta, SA 5700
💰 Listed at: $399,000
🛏️ [3] Bed | 🛁 [1] Bath | 🚗 [3] Car
📐This property is the one to watch this week — perfect for first home buyers
Want to know how much you could borrow to snap this up?

DM me for a free property assessment + borrowing power check!

Before financing a vehicle, it’s worth checking more than just the sticker price.Your budget, loan term, repayment struc...
25/08/2026

Before financing a vehicle, it’s worth checking more than just the sticker price.

Your budget, loan term, repayment structure and whether the vehicle is for personal or business use can all affect your options.

Get in touch to explore your vehicle finance options.

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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