What We Do

Total Home Loan Service has a reputation for excellent service and a commitment to providing better advice through better listening.

We provide a Total Home Loan Service to you.


We believe everyone has the right to personalised financial advice that they can trust. Our role is to evaluate our clients’ needs, compare loan options and provide expert advice on your financing solutions.

Our Staff
Nick Allman


Phone: 0411 617 078

Nick has been working as a Mortgage Broker since 2002. Nick opened Total Home Loan Service in 2009, servicing Sydney and the Illawarra. He is a fully accredited member of MFAA. Nick practices a hands-on approach with every aspect of the business and enjoys solving lending issues for our clients. He enjoys going camping with his family, travelling, and enjoying the beautiful beaches of the Illawarra.

Julia Piotrowski
Home Loan Adviser


Phone: 0409 778 766

Julia has been working within the financial sector in London, Sydney and locally in Wollongong for over 15 years. She is a Home Loan Adviser specialising in Residential Lending. She is a fully accredited member of MFAA. Julia is very passionate about assisting people to achieve their financial goals through purchasing property. Julia enjoys travelling with her family, movies, and theatre.

Angela Morris
Finance Administrator


Phone: 1300 713 722

Angela has been working at Total Home Loan Service since 2012. With a background in banking, Angela brings her knowledge, strong administration skills and friendly nature to this company. Angela assists in the application process from the beginning to settlement and beyond. She liaises with lending institutions regularly to ensure your applications are processed in a timely manner. Angela spends her weekends relaxing with her family at their holiday home on the south coast.


“Julia recently helped us in the purchase of our first home, never having purchased a home before we had loads of questions, Julia was incredibly patient and stepped us through the entire process from beginning to end. She was very proactive in making sure that all i’s were dotted and t’s crossed ahead of time and as a result the whole process was really smooth and stress free. After speaking to friends and family and hearing some of their financing horror stories we are even more grateful to Julia that she was able to make buying our home such a great experience. I would have no hesitation in recommending Julia and we plan on using her services for any refinancing/new loans in the future!”


Renae – First Home Buyer

"I have been using the services of Nick Allman and his company Total Home Loan Service for more than 8 years now. I am an active property owner and investor so having the expertise of such an experienced broker is priceless. Nick is a consummate professional; knowledgeable, experienced and always goes above and beyond to ensure I am taken care of.  I cannot recommend him or his company more highly to anyone seeking the services of a finance broker."


Paul – Home Loan



"I’ve used the support of Nick and his team for over a decade and have found him to be professional, persistent, and more knowledgeable than most lenders. Holding down your own job and busy work life balance, going to meet your bank or broker is hard. Nick travels to me if I need him to. It’s simply hassle free. My interest rates on my investment loans remain competitive and Nicks annual review always keep me ahead of the banks published rates.


Nicks level of service is exemplary, I have processed over 7 mortgages with him and never had any issues. Total Home Loan Service were there for me when I was a first time buyer, Nick showed me the process and never got bored of my tedious questions. As Total Home Loan Service has grown, the personal touches are still there, Nick has all of my data on hand for all of my investments, he knows where I am professionally, personally and can join the dots to where my family is going.


The level of detail during mortgage applications and over all communications to all involved in buying a house, is amazing. From time to time I check on google what the best rates are, who the lenders are, and once I call and speak to Total Home Loan Service I have no reason to go find anyone else, they do it all for me and beat the big 4. If you called them you wouldn’t be disappointed."


Richard – Investment Loan


“My wife and I had been with one of the big 4 banks for close to a decade. After a nightmare experience purchasing an investment property, where we almost lost our deposit because of the bank’s error, we contacted Nick to assist us in refinancing all our properties. When you deal with the bank without a broker, the bank just treats you like a number and has all the leverage. We found that by having a broker on our side, we were able to speak with multiple lending institutions who were all fighting over our business.


Needless to say, we moved all of our business to another lending institution, whom we have been with ever since and were really stoked with the service that we got from Nick in helping us out. Nick helps out with managing the paperwork and has guided us towards products and financial institutions that align with our financial goals. Nick is extremely knowledgeable when it comes to home loans and was able to guide us through what would otherwise be a complicated and convoluted process.”


Jaydon – Investment Loan


“A friend referred me to Total Home Loan Service when I was looking to purchase a home. Since then, I have also used their services for a Construction Loan. Nick really listened to my needs, and provided me with several loan options to choose from. Nick and his staff were friendly and approachable. By dealing directly with the Bank on my behalf, I found the process ran smoothly, and allowed me to spend my time organising the other aspects of my build. I couldn’t recommend them enough for all their help, and will continue to utilise their services in the future.”


Brendan – Construction Loan

“Nick was recommended to me by a business partner 5 years ago and he has since arranged multiple loans with absolute professionalism and success. The entire experience, from casual ‘is this possible’ consultancy to formal advice and contract signing is smooth and supportive. I have always felt comfortable that Nick is recommending the best product at each stage and this has proven to be correct over time. Nick is now a key part of my property investment process and I highly recommend engaging his services.”


Tim – Investment Loan

“We are 2 divorced ladies who had the most fortunate luck to meet Nick via viewing a McDonald Industries property approximately 12 years ago.


At the time, we were looking for a property to buy and live in but, as is the case in Sydney, we could not find one that we could afford in the area we wanted to live in.


On that fateful Sunday, Nick calmly and professionally (using language we both could understand) explained the advantages of buying an investment unit and eventually using the equity we would make to purchase a property in an area we would like to live. No question, query or “Nick I/we don’t understand” threw him. He understood how important this purchase was to both of us to ensure our financial security. So, in a nutshell, we purchased the property in Camperdown and have gone on to purchase another 2 properties – one which is owned outright and another which pays for itself - using Nick as our “go to man”!


During all our dealings with Nick (and there have been a few!) nothing has been too difficult or hard for him to sort out – he’s like a duck; calm and serene but his feet are paddling hard to achieve the best result for us – as he will do for you.


Nick has always gone above and beyond what your average broker would do. He is knowledgeable, professional, has a great sense of humour (very important) and offers his clients gentle guidance – as we have learnt, Nick is in it for the long haul when you become his client.


What can I say – except get in quick before we drive him crazy!”


Vanessa and Virginija – Investment Loan

“Nick Allman is my go-to for all new purchases and re-finances. His dedication and professionalism makes Nick a stand out broker delivering effective service and turnaround. In my last purchase, I exchanged contracts with a super short settlement period.


I applied for finance with my bank direct, but also got Nick to submit an application to the same bank through his channels. Nick had my finance application processed and ready in time for settlement, whilst the internal application with the same bank trailed by nearly two weeks. I have no hesitation in recommending Nick and the Total Home Loans Team.”


James – Refinance Loan

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