# The Unlocked. (Unlocked Finance Pty Ltd)

> Independent mortgage and finance brokers based at 68 West Street, Toowoomba, Queensland 4350, Australia. We compare 70+ lenders (major lenders, regional lenders, credit unions, mutuals and specialist non-bank lenders, via the AFG aggregator panel) for home loans, refinancing and home loan rate reviews, first home buyers, construction loans, self-employed loans, investment property, business finance, equipment and vehicle finance, and agribusiness/rural loans. Australian Credit Licence 483863. ABN 15 603 545 802.

Key facts:
- Location: 68 West Street, Toowoomba QLD 4350. Serving Toowoomba, the Darling Downs (Highfields, Westbrook, Oakey, Pittsworth, Crows Nest, Gatton, Dalby, Warwick) and clients Australia-wide by phone and video.
- Contact: 1300 286 562 · brokers@unlocked.com.au · Monday to Friday 9am–5pm · Book: https://unlocked.com.au/contact-us/
- Founded 2015 by Sam Benz (Finance Broker & Director) and Chloe Benz (Business Manager & Lending Advisor).
- Cost: home loan broking is free to the client (lender pays commission at settlement, disclosed in writing). A professional fee may apply to some business, commercial, equipment or vehicle finance, always agreed upfront.
- Approach: independent, one dedicated broker from first chat to settlement, the current lender is asked to reprice before refinancing is considered, ongoing rate reviews after settlement.
- Google rating: 5.0 stars (https://maps.google.com/?cid=15240899406106473077).
- Compliance: information on this site is general only and not credit advice; we do not predict interest rates.

## Services
- [Toowoomba Home Loans](https://unlocked.com.au/toowoomba-home-loans/): Home loans in Toowoomba and the Darling Downs. Compare 70+ lenders for buying, upgrading, investing or building — with a local broker. Free consultation.
- [Mortgage Broker Toowoomba](https://unlocked.com.au/toowoomba-mortgage-brokers/): Looking for a mortgage broker in Toowoomba? Our local, independent brokers compare 70+ lenders and stay with you from first chat to settlement. Free for home loans.
- [Refinance & Home Loan Rate Review Toowoomba](https://unlocked.com.au/refinancing-home-loan/): Is your home loan rate still competitive? Free refinancing review across 70+ lenders from a Toowoomba broker. We check with your current lender first.
- [First Home Buyers Toowoomba](https://unlocked.com.au/first-home-buyers/): First home buyer help in Toowoomba: the 5% Deposit Scheme, QLD grants, low-deposit loans and a local broker comparing 70+ lenders. Free consultation.
- [Construction Loans Toowoomba](https://unlocked.com.au/construction-loans/): Construction and house-and-land loans in Toowoomba. Progress payments, builder contracts and lender options explained by a local broker comparing 70+ lenders.
- [Self-Employed Home Loans Toowoomba](https://unlocked.com.au/self-employed-home-mortgages/): Self-employed home loans in Toowoomba — full-doc and alt-doc options for sole traders, contractors and business owners across 70+ lenders.
- [Business Finance Toowoomba](https://unlocked.com.au/business-finance/): Business loans, working capital and commercial property finance for Toowoomba and Darling Downs businesses. Compare 70+ lenders with a local broker.
- [Equipment Finance Toowoomba](https://unlocked.com.au/equipment-finance/): Equipment, vehicle, truck and machinery finance in Toowoomba. Chattel mortgage, lease or hire purchase — compared across 70+ lenders.
- [Agribusiness Loans Toowoomba & Darling Downs](https://unlocked.com.au/agribusiness-loans/): Rural and agribusiness finance for Darling Downs farmers: farm purchases, land, machinery and seasonal working capital from lenders who understand agriculture.

## Free tools
- [Free Home Loan Rate Review Tool](https://unlocked.com.au/rate-review-tool/): Check how your home loan rate compares with the market in about 60 seconds. Free, no login, no personal data. From Toowoomba brokers comparing 70+ lenders.
- [Lender Match & Repayment Estimator](https://unlocked.com.au/lender-match-repayment-estimator/): Estimate your loan repayments and see which types of lenders may suit your deal. Free tool from The Unlocked., Toowoomba.
- [First Home Buyer Eligibility Checker](https://unlocked.com.au/first-home-snapshot-eligibility-checker/): Check your eligibility for first home buyer schemes and see your snapshot in minutes. Free tool from Toowoomba brokers.
- [Home Loan Calculators](https://unlocked.com.au/calculators/): Free home loan calculators: borrowing power, repayments, stamp duty, offset, extra repayments, split loans and more.

## About
- [About us](https://unlocked.com.au/about-us/)
- [Meet the team](https://unlocked.com.au/meet-our-team/)
- [Our lender panel](https://unlocked.com.au/our-lenders/)
- [FAQs](https://unlocked.com.au/faqs/)
- [Free guides](https://unlocked.com.au/guides/)
- [Contact](https://unlocked.com.au/contact-us/)

## Team
- Sam Benz — Finance Broker & Director
- Chloe Benz — Business Manager & Lending Advisor
- Jacob Cadman — Finance Broker (Warwick)
- Karla Hadzich — Finance Broker
- Ryan Latcham — Finance Broker
- Tanya Cameron — Senior Credit Analyst

## Articles
- [Should I Fix My Home Loan in 2026? Your Rate, Your Choice](https://unlocked.com.au/fix-home-loan-in-2026-your-rate-your-choice/): Wondering if you should fix your home loan in 2026 after recent RBA cash rate increases? Explore the pros, cons, and split options to help you decide.
- [Juggling Too Many Repayments? What Debt Consolidation Can (and Can’t) Do](https://unlocked.com.au/what-debt-consolidation-can-and-cant-do/): Juggling multiple repayments? Learn how a debt consolidation home loan works, the genuine benefits, and the trade-offs to consider before rolling debts together.
- [The RBA Hit Pause. What this Means for your Repayments](https://unlocked.com.au/the-rba-hit-pause-what-this-means-for-your-repayments/): After three cash rate rises earlier this year, the Reserve Bank pressed pause. At its June 2026 meeting, the RBA held the cash rate at 4.10%, leaving it
- [Moving House? How to Take Your Home Loan With You](https://unlocked.com.au/loan-portability/): You found a new place. The offer's accepted, the boxes are mentally already packed — and then a thought lands: what happens to my home loan? You've got a rate
- [Working capital, explained: funding options for growing Australian businesses](https://unlocked.com.au/working-capital-finance-options/): Compare working capital finance options for your growing business, from overdrafts to invoice finance. Find the right fit across 70+ lenders today.
- [Refinancing in 2026: When It Makes Sense](https://unlocked.com.au/refinancing-in-2026-when-it-makes-sense/): Refinancing in 2026 can ease repayments, unlock equity or reset a poor-fit loan, but only if the savings, structure and timing all stack up for your situation.
- [Your investment loan in 2026: a structure review framework for property investors](https://unlocked.com.au/investment-property-loan-structure-review/): Has your investment property loan kept up after the 2026 rate rises? Review your structure, rate type and offset, then compare 70+ lenders. Start free today.
- [Chattel mortgage, lease, or hire purchase? Choosing the right structure for your next business asset](https://unlocked.com.au/asset-finance-chattel-mortgage-lease-hire-purchase/): Comparing asset finance structures? See how a chattel mortgage, lease or hire purchase differs on ownership, tax and cash flow. Compare 70+ lenders today.
- [Can You Get a Loan for Home Renovations in Queensland? What Borrowers Need to Know](https://unlocked.com.au/loan-for-home-renovations/): Discover smart ways to fund your upgrade with a loan for home renovations in Queensland. Read the article now.
- [Home Loan for Investment Property: What You Need to Know](https://unlocked.com.au/home-loan-for-investment-property/): Considering property investment? The first step is understanding how a home loan for investment property works. Unlike standard home loans, these loans have
- [The 5% deposit scheme in 2026: how the rules changed, and what it means for first home buyers](https://unlocked.com.au/5-percent-deposit-scheme-2026/): The 5% deposit scheme changed in 2026 — income caps gone, more places, higher price caps. See if you qualify and compare 70+ lenders. Book a free chat today.
- [Understanding Borrowing Capacity: A Guide for Australian Homebuyers](https://unlocked.com.au/borrowing-capacity-guide/): Your borrowing capacity or borrowing power is the maximum amount a lender is willing to loan you for a home.
- [Considering a split home loan? Here’s what you should know](https://unlocked.com.au/split-home-loan/): If you have ever felt torn between the certainty of a fixed rate and the flexibility of a variable rate, a split home loan is designed for exactly that
- [Home Loan Hacks: Should You Make Extra Repayments?](https://unlocked.com.au/extra-repayments/): Learn how extra repayments can help you pay off your mortgage faster and save thousands in interest. Simple strategies to boost your financial freedom!
- [How an Offset Account Can Slash Your Home Loan Interest](https://unlocked.com.au/offset-account/): Discover how an offset account can reduce your home loan interest and save you thousands! Keep your savings accessible while cutting mortgage costs.
- [Loan-to-Value Ratio Explained: Why It Matters When Buying Property in Australia](https://unlocked.com.au/loan-to-value-ratio/): When you’re buying a home in Australia, there’s one number that quietly shapes almost every part of your mortgage: your loan-to-value ratio (LVR).
- [Interest Rate Cuts: What They Mean for Your Mortgage and the Housing Market](https://unlocked.com.au/interest-rate-cuts-mortgage/): The RBA has cut interest rates to 3.60% in August 2025. Learn what this means for your mortgage, borrowing power, and financial planning.
- [How Much Do I Need to Earn to Buy a House in Australia?](https://unlocked.com.au/need-to-earn-buy-a-house/): Australians may need an annual income of $113,000–$336,000 to buy a house in a major city, or $76,000–$163,000 for a unit, based on Domain’s June 2025 House
- [Interest Rate vs Comparison Rate: What Every Australian Homebuyer Really Needs to Know](https://unlocked.com.au/interest-rate-vs-comparison-rate/): Interest rates show what you pay to borrow. Comparison rates include fees too. Knowing the difference can save thousands on your home loan.
- [Want to Buy a Home Sooner? A Guarantor Home Loan Could Be the Answer](https://unlocked.com.au/guarantor-home-loan/): If you're struggling with a deposit or can’t meet strict lender requirements, a guarantor home loan might be your key to homeownership.
- [Home Loan Refinancing: Your Guide to Switching and Saving in 2025](https://unlocked.com.au/home-loan-refinancing/): Refinancing your home loan could unlock thousands of dollars in savings and give you access to better features that weren't available when you first secured
- [Chattel Mortgages Explained: A Smart Way to Finance Business Assets in 2025](https://unlocked.com.au/chattel-mortgages-explained/): Looking to buy a work vehicle or equipment without draining cash flow? Discover why a chattel mortgage could be the smartest move for your business in 2025.
- [How to Get a Home Loan if You’re Self-Employed in 2025](https://unlocked.com.au/home-loans-for-self-employed/): Discover how to qualify for home loans for self-employed Australians in 2025 with the right docs, income strategy, and expert mortgage broker support.
- [Unlocking Home Loans for Medical Professionals: Exclusive Perks You Should Know](https://unlocked.com.au/home-loans-for-medical-professionals/): Home loans for medical professionals, often called "medico loans," are specialised mortgage products designed specifically for qualified healthcare
- [Federal Budget 2025-2026 is Out: What Toowoomba Mortgage Brokers and Home Buyers Need to Know](https://unlocked.com.au/federal-budget-2025-2026/): Discover how the Federal Budget 2025-2026 impacts Toowoomba home buyers with tax cuts, housing grants, and mortgage relief. Key updates explained!
- [Why First Home Buyers Need Mortgage Brokers in Today’s Challenging Market](https://unlocked.com.au/first-home-buyers-need-mortgage-brokers/): First home buyers face rising costs, but mortgage brokers help. Learn how our Toowoomba experts secure great loans, access grants & simplify the process!
- [Home Loan Pre-Approval Explained: Getting Ahead in Your Property Search](https://unlocked.com.au/home-loan-pre-approval/): Buying your first home in 2025? Discover why home loan pre-approval is essential and how Toowoomba mortgage brokers can simplify the process for you.
- [Digital Home Loans v Traditional Brokers: Which to Choose?](https://unlocked.com.au/digital-home-loans-v-traditional-brokers/): Discover how digital home loans from neobanks are transforming Australia's mortgage market with faster approvals, lower rates, and broker expertise for complex cases
- [What Does the Clock Say? Understanding When to Buy a House in Australia](https://unlocked.com.au/when-to-buy-a-house-in-australia/): Wondering when to buy a house? Learn the best time to invest, understand the property cycle, and get expert mortgage advice tailored to you
- [Equipment Finance Brokers: Your Partners in Fleet Modernisation](https://unlocked.com.au/equipment-finance-brokers-modernisation/): Discover how equipment finance helps Australian businesses modernise with advanced heavy machinery. Learn finance options for tech-driven, sustainable equipment
- [Considering Debt Consolidation? Understand the Benefits and Risks First!](https://unlocked.com.au/debt-consolidation-benefits-risks/): Explore how debt consolidation can simplify debt management, lower interest rates, and help you regain control of your finances. Learn more today!
- [Protecting Your Property Investment: The Essential Role of Income Protection and Landlord Insurance](https://unlocked.com.au/protecting-your-property-investment/): Discover how landlord and income protection insurance safeguard your property investment in Toowoomba and regional Queensland. Get expert advice for peace of mind today.
- [Property Valuations: A Critical Step in Your Home Loan Journey](https://unlocked.com.au/property-valuations-critical-step-home-loan/): Discover why property valuations are key to buying, selling, or refinancing. Learn how they work and how expert mortgage brokers can optimise your home loan outcomes.
- [Unlocking Opportunities: How Mortgage Brokers Are Shaping Toowoomba’s Property Landscape](https://unlocked.com.au/unlocking-opportunities-mortgage-brokers/): Explore the Toowoomba property market's steady growth and investment potential, and see how mortgage brokers like Unlocked help buyers navigate this dynamic landscape.
- [Broker Boom: How 7 in 10 Aussie Homebuyers Are Navigating the Property Market](https://unlocked.com.au/broker-boom-navigating-the-property-market/): Learn how Australian mortgage brokers are thriving amidst economic uncertainty, guiding property seekers through complex financial landscapes and high interest rates.

## Optional
- [Full text of key pages for AI assistants](https://unlocked.com.au/llms-full.txt)