There's a better loan out there. Finding it is our whole job.
A sharper loan, without the legwork. Whether you're refinancing, buying, investing or borrowing for a business, we compare 50+ lenders Australia-wide, and one broker stays with you from first call to settlement.
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Home loans, and a good deal more.
Refinancing, buying, building, personal and asset finance, and commercial lending. The same lenders and the same attention whichever one you are, including the awkward ones that do not fit a form.
Move to a better deal
If your rate has not kept up with the market, refinancing usually frees more cashflow than people expect. We compare your loan against more than fifty lenders, deal with your current lender, and time the switch so nothing lapses in between.
I want to refinance- Typical reasonRate drifted above market
- What we handleApplication through to settlement
- Compared againstMore than fifty lenders
Buy your next home
First home or fifth investment, it starts the same way. Working out what you can actually borrow, then matching that to lenders who move at the pace your purchase needs. We stay in it through pre-approval, offer and settlement.
I want to buy- Start withWhat you can actually borrow
- We stay throughPre-approval to settlement
- Matters mostLender speed on your timeline
Build it properly financed
A construction loan is paid out in stages as the build goes up, and the lender values the finished home before work starts. We line up the loan, the valuation and your building contract before you sign, then stay in it through every progress payment to handover.
I want to build- Start withYour plans and building contract
- We stay throughEvery progress payment to handover
- Matters mostHow the lender values the finished home
Car and personal loans
A vehicle, equipment, or a personal loan. A different set of lenders to a mortgage in most cases, and a shorter, simpler process to match.
I need a car or personal loan- CoversVehicles, equipment, personal
- ProcessShorter than a home loan
- SecuritySecured or unsecured
Business and commercial finance
A new venture, or restructuring existing commercial debt. The more complex scenarios get worked through directly with you and the lender rather than pushed through a template.
I need commercial finance- CoversNew ventures and restructures
- ApproachDirect with you and the lender
- SuitsSimple through to complex
What could a lower rate save you?
Set the sliders to your own loan and see what the difference looks like. It takes a few seconds, and it is exactly where we would start in a first conversation.
Set the sliders above to your own numbers to see what a sharper rate is worth.
Less to pay each month
Over the next five years that is $17,705 less out of your pocket. Across the full remaining term, $106,232.
Comparing your 6.54% against our indicative 5.84%, on $650,000 over 30 years.
You are already under our indicative rate.
Which is worth knowing. Tell us what you are on and we will go through the lenders properly. If nothing beats it, we will say so and leave you alone.
Let us try to beat it- Repayment now
- $4,126
- Repayment after
- $3,830
Indicative principal and interest only. Not a quote, an offer, or credit advice. Your actual rate depends on your circumstances and the lender. The five year figure counts repayments only. A lower rate also pays your balance down faster over the same period, so the figure understates the position rather than flattering it.
What happens after you get in touch.
Initial enquiry
A free, no-obligation chat to understand where you are at.
Comparison and proposal
We compare the lenders against your situation and bring back the options worth considering, with the rates and the trade-offs spelled out rather than buried. Including the option of staying where you are.
Application and settlement
We prepare and lodge the application, flagging anything uncertain before it goes in rather than after. From there we handle the lender’s questions, chase whatever stalls, and keep you updated on where it sits. Once it is approved, we work the lender’s process to settle as fast as it allows.
We stay in touch
A loan that suited you at settlement may not in three years. We check in as your situation and the market move, so switching again is a conversation rather than a project.
The questions people actually ask.
What does the first conversation actually involve?
A phone call, at a time that suits you. We ask what you are trying to do and what your situation looks like. No documents, no forms, and nothing submitted anywhere.
You come out of it knowing whether there is something worth doing. Sometimes there is not, and we will tell you that rather than manufacture a reason to keep talking.
Who pays you, and does it change what I get offered?
In almost every case our service costs you nothing. The lender pays a commission once your loan settles, and you see that figure in writing before you commit to anything.
Commission sits at broadly the same level across the major lenders, so there is no version of this where a recommendation gets bought. On the rare file that would carry a fee, you would have the exact number in front of you before any work began.
Does any of this show up on my credit file?
Not from talking to us, and not from moving the sliders further up this page. Nothing you do here is recorded anywhere.
A formal application does leave an enquiry on your file. You will know before that happens, not after.
What if my income is not a regular salary?
Self employed, sole trader or through a company. Contracting, casual shifts, or hours that move around. Income that arrives as commission, bonuses or overtime. Two jobs, or a job you started three months ago.
Lenders assess all of this differently, and the gap between them is wider here than on a straightforward salary. One will want two years of returns, another will work from one. Raise it at the start rather than halfway through: it changes which lenders are worth approaching, and it rarely changes whether anyone will lend.
What does access to more lenders give me?
On a straightforward file, honestly, not a great deal, and we will tell you that. A handful of lenders suit most people and most rates sit close together.
The rest are there for when you are not most people. Self employed with income that moves around, an SMSF purchase, a commercial deal, debts spread across five places, or a file someone else has already turned down. That is where fifty stops being a number on a website and starts being whether the loan happens at all.
What happens if I am not local?
Nothing changes. Most of our clients are already outside South Australia, and where you live does not narrow the lenders available to you by a single one.
Conversations happen by phone or video, documents are signed electronically, and you deal with the same broker throughout wherever you happen to be.
Your choice of lender.
More than fifty lenders, so the loan gets matched to your situation rather than to a single bank’s appetite.
Find out what you are actually eligible for.
A first conversation costs nothing and commits you to nothing. Worst case, you learn your current loan is fine.