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Business Details
18 Years
experience
Your Trusted Mortgage Brokers in Port Hedland
At Total Loans, we have dedicated over 15 years to mastering the complexities of finance and property investment. Our journey began with a passion for regional living and a commitment to simplifying mortgage processes for clients across Western Australia. With expertise in home loans, refinancing, and investment financing, we leverage our deep understanding of regional markets and the unique needs of FIFO workers. Our team, led by Russell and Sharon Briggs, combines strategic financial acumen with personalized service, ensuring clients access competitive rates and tailored solutions.

We maintain strict ethical standards under Australian Credit Licence 388425 and actively engage with industry bodies like the MFAA and AFCA to stay at the forefront of market developments. Our focus remains on building long-term relationships while delivering transparent, client-centric outcomes.
Services
Home Loans Refinancing Investment Loans First Home Buyers Business Loans Credit Impaired Loans Personal Loans Asset Finance
Details
  • Year established: 2008
Highlights and features
  • We offer 15+ years of mortgage broking expertise in regional markets
  • Our team negotiates competitive rates from 40+ lenders
  • We provide personalized strategies for complex financial situations
  • We guarantee transparent fee structures with no hidden costs
  • Our service includes free initial consultations and ongoing support
Associations and certifications
  • Australian Finance Group
  • Mortgage and Finance Association of Australia
  • Australian Financial Complaints Authority
  • Australian Credit Licence 388425
What people say
Professional service Smooth refinancing process Personalised support Expert financial packages Stress-free experience
Update Listing
Services
Home Loans
We specialise in tailored home loan solutions for first-time buyers, property investors, and refinancers. Our services cover loan structuring, competitive rate negotiation, and streamlined application processes. Clients benefit from our regional market expertise and access to multiple lenders, ensuring optimal financing solutions for primary residences or investment properties.
Refinancing
Our refinancing experts help clients reduce repayments, access equity, or improve loan terms. We analyse existing mortgages, compare market offers, and negotiate better conditions. The service includes penalty calculations, break-even analysis, and seamless transition assistance to ensure clients maximise financial benefits while minimising administrative burdens.
Investment Loans
We provide specialised financing for property investors seeking portfolio growth. Services include loan structuring for tax efficiency, cash flow analysis, and access to investor-specific products. Our team understands the unique requirements of SMSF loans, negative gearing strategies, and multi-property portfolios, offering tailored solutions to maximise investment returns.
First Home Buyers
We guide first-time purchasers through the home buying process, including FHOG eligibility assessment, deposit planning, and loan selection. Our service covers stamp duty exemptions, mortgage stress testing, and connection to professional networks for inspections and conveyancing, ensuring a smooth transition from renters to homeowners.
Business Loans
We offer tailored business financing solutions for equipment purchases, property acquisition, and operational expansion. Services include cash flow analysis, security assessment, and access to commercial lenders. Our approach focuses on aligning financing terms with business growth strategies while maintaining competitive rates and flexible repayment structures.
People
Russell Briggs
Mortgage Broker
With 15+ years in finance, Russell specialises in complex loan structures and regional property markets. He combines technical expertise with client-focused service, maintaining ongoing education through MFAA programs to deliver optimal financing solutions.
Sharon Briggs
Mortgage Broker
Sharon brings organisational excellence and financial education expertise to client relationships. Her focus on empowering clients through knowledge has helped numerous first-home buyers and investors achieve their property goals across regional Western Australia.
Questions
How does Total Loans ensure professional service standards?
We operate under Australian Credit Licence 388425 with mandatory ethical compliance. Our team maintains memberships with MFAA, AFG, and AFCA to ensure ongoing professional development and dispute resolution capabilities.
Can you help clients with impaired credit histories?
Yes, we work with specialist lenders who consider applications with defaults after reviewing credit reports to determine appropriate financing options and risk mitigation strategies.
What advantages do mortgage brokers offer over banks?
We provide access to 40+ lenders' products, including exclusive broker-only rates, while offering comparative analysis reports to help clients make informed decisions without visiting multiple banks.
How quickly can loan approvals be processed?
Approval times vary by lender, but we prioritise urgent cases and use our industry experience to select lenders matching clients' required settlement timelines during initial strategy sessions.
Do you charge fees for your services?
No fees apply to clients - lenders pay our commission without affecting loan terms. This ensures transparent service with no hidden costs for mortgage broking assistance.