Business Details
24 Years
experience
Your Trusted Mortgage Broker in Toowoomba
Established in September 2002, Top of the Range Home Loans has built a reputation as a trusted mortgage broking service in Toowoomba. Our director, Brad Spanner, brings over two decades of industry expertise as an accredited mortgage broker and holds advanced qualifications in financial services. We specialise in tailoring home loan solutions for first-time buyers, investors, and those seeking refinancing or debt consolidation. With access to 30+ lenders including major Australian banks, we prioritise finding loans that align with individual financial circumstances. Our free service model, funded by lender commissions, eliminates additional fees for clients.Recognised with PLAN Australia's Hall of Fame Award and Regional Broker of the Year accolades, we combine local market knowledge with national industry standards. Our commitment to transparency extends to educating clients about varying bank lending policies and non-traditional deposit options. As active members of the Mortgage and Finance Association of Australia and Credit Ombudsman Service, we maintain rigorous professional standards. Brad's dual expertise as a mortgage broker and local community figure enhances our ability to serve regional clients effectively.
Services
Home Loans
Debt Consolidation
Refinancing
Personal Loans
Mortgage Broking
Details
- Year established: 2002
Highlights and features
- Free service with no additional fees for clients
- Access to 30+ lenders including major Australian banks
- Director holds PLAN Australia Hall of Fame recognition
- Expertise in non-traditional deposit scenarios and casual employment cases
- Local market knowledge with national industry accreditation
Associations and certifications
- Mortgage and Finance Association of Australia
- Credit Ombudsman Service
- PLAN Australia
What people say
Award-winning service
Transparent advice
Successful loan outcomes
Local expertise
Expert guidance
Services
Home Loans
We specialise in sourcing tailored home loan solutions for first-time buyers and property investors. Our service compares products from 30+ lenders including major banks. Clients benefit from expert guidance through the entire application process with no additional fees.
Debt Consolidation
Our debt consolidation service combines multiple debts into a single manageable loan. We identify optimal solutions through our network of lenders. This service helps clients simplify repayments and potentially reduce overall interest costs.
Refinancing
We help clients review and switch to better loan products through our 30+ lender network. Our service analyses current loan terms against market alternatives to identify potential savings. Expert support is provided throughout the transition process.
Personal Loans
Our personal loan service matches clients with suitable unsecured lending options. We access competitive rates through our lender relationships. Applications are processed with minimal documentation and fast approval times.
Mortgage Broking
As award-winning mortgage brokers, we provide independent advice across all loan types. Our service includes lender comparisons, application assistance, and ongoing loan management. We maintain industry-leading accreditation and local market expertise.
People
Brad Spanner
Director
Accredited mortgage broker with 20+ years experience. Holds Diploma of Financial Services and Bachelor of Arts. Recipient of PLAN Australia's Hall of Fame Award and Regional Broker of the Year. Active local cricket coach and community figure.
Questions
Why should I use a mortgage broker?
We offer a free service with access to 30+ lenders. Our expertise saves time and money by finding optimal loan solutions, including special offers and non-traditional deposit options.
Do I need a deposit?
Most lenders require at least 5% deposit. We help clients use non-traditional sources like asset sales or family gifts. Rental history can also support deposit requirements.
How much can I borrow?
We conduct serviceability assessments to determine borrowing capacity. Lenders vary in their calculations, so we help identify maximum loan amounts across multiple banks.
How do I apply for the First Home Owners Grant?
We handle all grant application paperwork. Clients simply sign the documents while we manage the submission and approval process.
What costs are involved with getting a loan?
Key costs include stamp duty, bank fees, mortgage insurance, inspections, and legal fees. We provide detailed breakdowns and help identify potential savings.
What causes loan processing delays?
Common delays include incomplete documentation, credit issues, lender workloads, and valuation scheduling problems. We proactively address these challenges to expedite approvals.