Business Details
31 Years
experience
Your Trusted Mortgage Brokers in Port Augusta
Total Home Loan Options has been serving clients in Port Augusta since December 1995, originally operating as Key Home Loans. Our team, led by experienced broker Sharene Dearlove and Associate Andrew Fitzgerald, specialises in providing tailored mortgage solutions. With access to over 300 loan products from diverse lenders, we prioritise understanding individual client needs to deliver competitive options. Our flexible approach allows consultations via phone, video call, or in-person meetings at convenient locations. We guide clients through every stage of the loan process, from initial consultation to settlement, ensuring transparency and support.Our commitment to client satisfaction is reflected in our mobile service model and dedication to simplifying the home loan journey. We cater to first-time buyers, refinancers, and property investors, offering expert guidance on financial documentation and government grants. Our established reputation in the Spencer Gulf region underscores our reliability and local market knowledge. We maintain strict compliance with financial regulations under Australian Credit Licence No 517191. Our team's combined experience ensures clients receive informed advice aligned with evolving market conditions.
Services
Home Loans
Refinancing
First Home Buyers
Investment Loans
Mortgage Brokering
Details
- Year established: 1995
Highlights and features
- We've provided mortgage solutions in Port Augusta since 1995
- Access to 300+ loan products from diverse lenders
- Flexible consultations available at home, cafes, or online
- Specialist guidance for first home buyers and investors
- Local market expertise in Spencer Gulf property trends
Associations and certifications
- Australian Credit Licence
Services
Home Loans
We provide comprehensive home loan options tailored to individual financial circumstances. Our service includes assessing eligibility, comparing 300+ products, and guiding clients through application processes. We specialise in finding competitive rates for first-time buyers, upgraders, and investors while ensuring clear communication about loan features and obligations.
Refinancing
Our refinancing service helps clients secure better interest rates and loan terms. We analyse existing mortgages, identify savings opportunities, and manage the transition process to new lenders. This includes assessing break fees, arranging valuations, and ensuring compliance with new loan conditions while minimising disruption for homeowners.
First Home Buyers
We specialise in supporting first-time purchasers through the home buying journey. Our service covers First Home Owners Grant applications, deposit requirements, and mortgage product selection. We provide clear explanations of government incentives, lending criteria, and ongoing loan management to ensure informed decision-making for new homeowners.
Investment Loans
Our investment loan service caters to property portfolio expansion. We offer strategies for leveraging equity, cash flow analysis, and loan structuring tailored to investment goals. This includes assessing tax implications, rental income considerations, and long-term wealth creation through property while connecting clients with suitable lenders.
Mortgage Brokering
As independent brokers, we connect clients with appropriate lenders from our panel of 300+ providers. Our service involves market analysis, product comparison, and negotiation to secure optimal loan terms. We maintain ongoing relationships with lenders to provide up-to-date advice on changing market conditions and regulatory requirements.
People
Sharene Dearlove
Principal Broker
With over 25 years' experience in mortgage brokering, Sharene established Total Home Loan Options in Port Augusta. Her expertise in regional property markets and commitment to client education ensures tailored loan solutions for local residents.
Andrew Fitzgerald
Associate Broker
Andrew brings extensive financial services experience to our team, specialising in investment loan structuring and first home buyer assistance. His client-focused approach ensures clear communication throughout the mortgage process.
Questions
How do you help clients find the right home loan?
We assess your financial situation, discuss property goals, and compare 300+ loan products to find competitive options tailored to your needs.
What services do you offer for first home buyers?
We provide complete guidance including First Home Owners Grant applications, deposit planning, and mortgage product selection with competitive rates.
Can you assist with refinancing existing mortgages?
Yes, we analyse current loans, identify savings opportunities, and manage the transition to new lenders while minimising disruption.
How does your mobile brokerage service work?
We offer flexible consultations via phone, video call, or in-person meetings at your preferred location for convenient mortgage advice.
What areas do you service?
While based in Port Augusta, we provide mortgage services throughout the Spencer Gulf region and online across Australia.