Ryan Latcham - Unlocked Finance

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Ryan Latcham - Unlocked Finance Authentic Financial Solutions

Your dedicated Finance Broker in Toowoomba. Home Loans-SMSF-Asset Finance-Commercial & Business lending.
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13/10/2026

A big thank you to my clients for sending through these shots of their new home build getting underway.

It’s so exciting to be part of their journey and watch it all come together, especially with a view like that.

Can’t wait to see the next stage!

Congratulations to my client on the purchase of her beautiful beachside unit on the North Coast!🌊It was a pleasure helpi...
08/10/2026

Congratulations to my client on the purchase of her beautiful beachside unit on the North Coast!
🌊
It was a pleasure helping you secure the finance.

Sea breezes, sandy feet and sunsets on the balcony. Wishing you many happy years in your new place!

Lenders look at your income, your expenses, your existing debts and your credit history. They also look at the deposit y...
06/10/2026

Lenders look at your income, your expenses, your existing debts and your credit history. They also look at the deposit you've got and the type of property you're buying.

Small things matter too. Regular savings habits, low credit card limits and keeping spending steady in the months before you apply can all make a difference.

Part of Ryan's job is helping you get loan ready, not just submitting an application and hoping for the best.

For a personalised service when it comes to finance, be sure to reach out to Ryan.

Fixed or variable, which one's right for you? There's no single correct answer, it depends on your situation.A fixed rat...
01/10/2026

Fixed or variable, which one's right for you? There's no single correct answer, it depends on your situation.

A fixed rate gives you certainty. Your repayments stay the same for a set period, which makes budgeting easier and protects you if rates rise. The trade off is less flexibility, and exit fees if you break the loan early.

A variable rate moves with the market. It can work in your favour if rates drop, and usually comes with more flexible features like extra repayments or offset accounts.

Some people split the loan and do a bit of both. Ryan is always happy to talk through what fits your situation best.

New job, growing family, paid off some debt or your fixed rate is ending soon? Any of these is a good reason to review y...
28/09/2026

New job, growing family, paid off some debt or your fixed rate is ending soon? Any of these is a good reason to review your loan.

What suited you a few years ago might not be the best fit for where you are now. Your income might have changed, your goals might have shifted, or your fixed rate might be about to roll onto a much higher variable rate.

A quick review costs nothing and might save you a fair bit, whether that's a better rate, a different loan structure, or simply confirming you're already in the right spot.

If any of that sounds like you, get in touch and Ryan will be happy to take a look.

A Broker doesn't work for one bank.We work for you.That means comparing options across multiple lenders, not just pushin...
24/09/2026

A Broker doesn't work for one bank.
We work for you.

That means comparing options across multiple lenders, not just pushing whatever one bank has on offer that week. Ryan will look at interest rates, fees, features and how flexible a loan is, not just the headline number.

It also means someone is in your corner who explains things in easy to understand terms.

Just a lot more choice and a lot less stress.

Give Ryan a call today on 0437 020 776.

"I need a 20% deposit to buy a house."Not always true.There are options with smaller deposits, and some come with Govern...
21/09/2026

"I need a 20% deposit to buy a house."
Not always true.

There are options with smaller deposits, and some come with Government support depending on your situation and the type of property you're buying.

Lenders Mortgage Insurance (LMI) can apply with a smaller deposit, but for a lot of buyers it still works rather than waiting years to save more.

Everyone's numbers look different. Your income, savings and the type of property you're after all change what's possible.

If you've been putting off buying because of the deposit myth, have a chat to Ryan and see what's achievable for you right now.

When's the last time you checked your home loan rate?If it's been a couple of years, there's a good chance a better deal...
17/09/2026

When's the last time you checked your home loan rate?

If it's been a couple of years, there's a good chance a better deal is out there.

Refinancing could possibly lower your repayments, shorten your loan term or simply free up cash for renovations, an investment property or give you more breathing room in your budget.

It's certainly worth a conversation, even if you end up staying put.

Thinking about buying but not sure where to start? Getting pre-approved is a good first move.It tells you how much you c...
14/09/2026

Thinking about buying but not sure where to start? Getting pre-approved is a good first move.

It tells you how much you can actually borrow, before you fall in love with a property that's out of range. It also shows sellers and agents you're a serious buyer, which matters in a competitive market or at auction.

Pre-approval isn't a final loan offer, but it gives you a realistic budget to shop with. It also flags any issues with your finances early, while there's still time to fix them.

It all takes less time than most people expect.

Be sure to reach out to Ryan on 0437 020 776.

Wishing all the dads a very happy Father's Day.Hope you get to kick back and enjoy the day!
06/09/2026

Wishing all the dads a very happy Father's Day.
Hope you get to kick back and enjoy the day!

Address

2 Derwak Street
Toowoomba, QLD
4350

Telephone

+61437020776

Website

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