Business Details
Trusted Mortgage Brokers in McLaren Vale
Annette Tothill Finance has been dedicated to helping clients navigate the complexities of home ownership since its inception. Our team specialises in researching mortgage markets, comparing lending rates, and negotiating tailored loan solutions for first-time buyers, investors, and construction projects. With access to a panel of accredited lenders, we prioritise understanding each client's unique financial circumstances to recommend optimal loan structures. Our commitment extends beyond initial transactions, offering ongoing support and market updates to help clients build long-term wealth through property.Backed by membership in the Mortgage & Finance Association of Australia, we combine technological expertise with personalised service to simplify the loan process. Operating from McLaren Vale, we serve clients across South Australia with flexible consultation options including in-person, Zoom, and Skype meetings.
Services
Home Loans
Personal Loans
Investment Loans
Business Finance
Refinancing
Construction Loans
Debt Consolidation
Highlights and features
- We research mortgage markets and compare rates across multiple lenders
- Access to a panel of accredited lenders for diverse loan options
- Personalised loan recommendations based on individual circumstances
- Ongoing support and market updates post-transaction
- Flexible consultation options including virtual meetings
Associations and certifications
- Mortgage & Finance Association of Australia (MFAA)
What people say
Exceptional service
Highly recommend
Fantastic to work with
Attention to detail
Smooth process
Services
Home Loans
Specialised home loan solutions for first-time buyers and established homeowners. We compare rates across multiple lenders to find competitive fixed and variable rate options tailored to your financial situation. Our service includes loan structure recommendations and ongoing support throughout the mortgage term.
Investment Loans
Tailored financing for property investors seeking to build wealth through real estate. We provide guidance on investment loan structures, interest-only options, and portfolio management strategies. Our service includes market analysis to help maximise returns on investment properties.
Refinancing
Comprehensive refinancing assistance to help reduce repayments or access equity. We analyse existing loans, compare new market offers, and manage the transition process. Our service includes break-even analysis and long-term savings projections for improved financial outcomes.
Construction Loans
Specialised financing solutions for new home construction and major renovations. We coordinate staged payments aligned with building milestones and provide guidance on construction loan terms. Our service includes budget analysis to ensure financing matches project requirements.
Business Finance
Tailored business loan solutions for commercial property purchases and operational needs. We connect clients with lenders offering competitive rates for business premises and equipment financing. Our service includes cash flow analysis to determine appropriate loan structures.
People
Annette Tothill
Director / Mortgage Broker
Experienced mortgage broker with expertise in green banking initiatives. Holds accreditation with major lenders and specialises in finding tailored loan solutions. Active in local business communities and committed to environmental awareness.
Andrew Tothill
Director
Finance professional with a passion for wildlife conservation. Brings motivational expertise to mortgage broking services and specialises in client relationship management. Active participant in ocean conservation efforts.
Sophie Muller
Para Broker / Office Manager
Rate review specialist managing existing client portfolios. Coordinates office operations and fosters animal welfare through community involvement. Ensures clients maintain optimal loan rates through regular reviews.
Sally Howie
Settlement Support
Organised settlement specialist with extensive banking experience. Manages loan documentation and coordinates property transactions. Enthusiast for beach activities and family-oriented financial solutions.
Questions
What mortgage services do you offer?
We provide home loans, investment loans, construction financing, refinancing, and business finance solutions tailored to individual client needs.
How do you help first-time home buyers?
We guide first-time buyers through loan options, assist with government grants, and recommend appropriate loan structures for long-term affordability.
Do you service areas beyond McLaren Vale?
While based in McLaren Vale, we provide mortgage services across South Australia with flexible virtual consultation options available.
Are there fees for your mortgage services?
Our services are typically commission-based through lenders, though specific loan products may incur application or establishment fees.
Can you assist with refinancing existing loans?
Yes, we analyse current loans, compare market offers, and help refinance to reduce repayments or access equity when beneficial.
Reviews (6)
Craig Barp
May 24, 2021
Report
Have been going to Annette for past 4 years for my homeloan needs. She knows exactly what she is doing to find the best product for my needs avoiding all the daunting issues. Unlike comparion websites with everything done over the phone she comes to you in person which makes it better to understand the loans etc. Would highly recommend her to anyone if you a looking for the best homeloan deals she will get it for you.
Ashleigh Aubrey
May 12, 2021
Report
I would recommend Annette and her team a hundred times over. It's not easy buying a house these days, but she stuck with us and tirelessly made sure she did EVERYTHING in order to get us our dream result. She made my partner and I actually understand what and how the process works and has offered so much personal support and care. She is the definition of 'above and beyond' and everyone she recommended (conveyencers, lawyers, pest/builders etc) has been such high quality, genuine people also. I also loved working closely with Sophie, who is just as phenomenal, patient and caring. She sends all
Vinod Shetty
Apr 24, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Annette has been very helpful throughout the process and we couldn't have asked for any 1 better for the job.
Annette has been very helpful throughout the process and we couldn't have asked for any 1 better for the job.
Alfie & Maggie
Dec 27, 2020
Report
Positive:Professionalism
Annette helped us secure our finance for our new build. I have personally used Annette twice and she is amazing to work with, highly responsive whilst always trying to get the best outcome for you.
Annette helped us secure our finance for our new build. I have personally used Annette twice and she is amazing to work with, highly responsive whilst always trying to get the best outcome for you.
Gareth Wilson
Nov 11, 2020
Report
Positive:Professionalism,Responsiveness
We would highly recommend Tothill Finance. Annette was great to work with and communicated with us very clearly so we understood the process. We would not hestitate to use Tothill Finance again in the future.
We would highly recommend Tothill Finance. Annette was great to work with and communicated with us very clearly so we understood the process. We would not hestitate to use Tothill Finance again in the future.
Tony McAllister
Aug 26, 2020
Report
We know Annette since 2013. She wouldn't say NO to anything and that's the kind of service we were looking for. Annette is a very knowledgeable professional and a friendly person who you can confidently discuss your financial matters when it comes to mortgages, loans or refinancing. We highly recommend her and will definitely use her services again in the future.
