Business Details
Your Trusted Mortgage Broker in McLaren Vale
Annette Tothill Finance has been dedicated to providing tailored mortgage solutions since its establishment. Our team combines extensive industry experience with cutting-edge technology to research lenders and products, ensuring clients secure loans aligned with their unique financial circumstances. Accredited with major lenders and committed to ongoing education, we maintain up-to-date knowledge of market trends and regulatory changes.Our client-centric approach prioritizes transparency, personalized service, and long-term financial planning, helping clients build wealth through strategic property investments. With flexible consultation options including virtual meetings, we serve both local and national clients across residential and commercial finance sectors.
Services
Home Loans
Personal Loans
Investment Loans
Business Finance
Construction Loans
Refinancing
First Home Buyers
Tax Time Preparation
Green Banking Solutions
Highlights and features
- We offer 15+ years of mortgage broking expertise with accredited lender partnerships
- Our team maintains continuous professional development in evolving finance regulations
- We provide personalized loan comparisons across 20+ lenders with transparent fee structures
- Our clients benefit from dedicated post-settlement support and rate monitoring services
- We specialise in complex financing scenarios including construction loans and investment portfolios
Associations and certifications
- Australian Credit License 392169
- Authorised Credit Representative 375200
What people say
Exceptional service
Highly recommend
Attention to detail
Smooth process
Expert guidance
Services
Home Loans
We specialise in residential mortgage solutions tailored to individual financial circumstances. Our service includes comprehensive market research, lender comparisons, and negotiation of competitive interest rates. Clients receive personalised guidance through the entire loan application process, with ongoing support for rate adjustments and refinancing opportunities.
Investment Loans
Our investment loan service focuses on wealth-building property portfolios. We provide market analysis, cash flow projections, and tax-effective structuring advice. Clients benefit from our expertise in assessing investment viability and securing financing solutions that maximise returns while managing risk.
Construction Loans
Specialised financing for property development and major renovations. We manage the staged payment process, coordinate with builders and valuers, and ensure compliance with lender requirements. Our service includes documentation preparation and ongoing project financial monitoring to maintain budget control.
Business Finance
Tailored lending solutions for business growth and operational needs. We offer asset finance, working capital loans, and expansion funding options. Our service includes cash flow analysis, loan structuring, and access to commercial lenders with competitive terms for established and emerging businesses.
Refinancing
Comprehensive assessment of existing loans to identify savings opportunities. We analyse market rates, calculate break-even points, and manage the transition process. Our service ensures clients maintain optimal loan structures that adapt to changing financial circumstances and market conditions.
People
Annette Tothill
Director / Mortgage Broker
With over 15 years' experience in mortgage broking, Annette specialises in residential and investment lending. She maintains accreditation with major lenders and focuses on long-term client financial planning.
Andrew Tothill
Director
Andrew brings expertise in commercial finance and environmental banking initiatives. He manages business development and ensures sustainable finance options remain central to service offerings.
Sophie Muller
Para Broker / Office Manager
Sophie specialises in loan rate monitoring and client support. With five years' industry experience, she ensures existing clients maintain optimal loan structures through regular portfolio reviews.
Sally Howie
Settlement Support
Sally manages loan documentation and settlement processes. Her 12 years in banking provide valuable expertise in navigating complex financial transactions and regulatory requirements.
Questions
What loan types do you specialise in?
We specialise in residential mortgages, investment loans, construction financing, business lending, and refinancing solutions.
Are you accredited with major lenders?
Yes, we hold accreditation with 20+ lenders including major banks and specialist finance providers.
How do you assist first home buyers?
We provide tailored guidance on deposit requirements, government grants, and loan structures specifically for first-time purchasers.
Can you help with bad credit history loans?
We assess individual circumstances and work with lenders offering solutions for non-standard credit situations.
Do you offer virtual consultations?
Yes, we provide Skype and Zoom meetings for client convenience across Australia.
What post-settlement services do you offer?
We monitor interest rates, review loan structures annually, and provide refinancing opportunities when beneficial.
