Get into the property market sooner
We compare over 30 lenders, handle the paperwork and stay with you long after settlement — so you borrow the right amount, at the right rate, without the guesswork.
- Buy your first home with as little as a 5% deposit
- No cost to you — we're paid by the lender you choose
- Annual loan health check every year after settlement
See where you stand
Answer three questions and we'll come back within one business day with an indicative borrowing range and the next step.
One conversation instead of six bank appointments
Going straight to your own bank means one set of rules, one rate and one answer. We look across the whole panel, match your situation to the lenders most likely to say yes, and tell you honestly where you sit before anything touches your credit file.
We work with buyers who don't fit a neat box as often as those who do — casual and contract income, a short time in a new job, self-employed with two years of returns, a marriage that has recently ended, or a deposit that is partly a gift from family. There is usually a lender for it. The work is knowing which one.
More about how we workStraight answers
You'll know your real borrowing range and what it costs before you fall in love with a property.
We do the chasing
Documents, valuations, lender follow-ups and settlement dates — handled, with weekly updates.
No fee to you
The lender you choose pays us. We disclose every commission in writing before you apply.
We stay on
Every year we re-check your rate against the market and tell you if it's worth moving.
Over 30 lenders, big and small
From the major banks to specialist non-bank lenders who look at income the way self-employed people actually earn it.
Placeholder tiles — real lender logos drop in here once the client confirms their aggregator panel.
What actually happens, step by step
Most clients go from first chat to unconditional approval in three to five weeks.
A no-obligation conversation
Twenty minutes on the phone or over video. We ask about your income, deposit, debts and what you're trying to do — nothing is submitted anywhere.
We map your borrowing power
We model your position across the panel, because every lender assesses your income and expenses differently. The spread between the best and worst answer is often more than $150,000.
A written recommendation
Two or three genuine options side by side — rate, fees, features, and why we'd pick one. In plain English, with the commission disclosed.
Pre-approval before you shop
You go to auctions and inspections knowing your ceiling, which makes your offer far more credible to an agent.
Full application and valuation
We package the file the way the assessor wants to see it, order the valuation and answer their questions directly so you don't have to.
Formal approval and loan documents
We check the contract against what was promised, walk you through it, and coordinate with your conveyancer.
Settlement — and every year after
Keys in hand. Then an annual health check: if your rate has drifted above the market, we tell you and fix it.
Finance for most situations
Home lending is the core of what we do, but the panel covers business and asset finance too.
First home buyers
Government schemes, 5% deposit options, guarantor structures and how to avoid paying LMI twice.
Learn more →Refinancing
Move to a sharper rate, consolidate debt, or release equity for the next purchase or a renovation.
Learn more →Investment loans
Structure, offsets and interest-only terms set up so your accountant is happy at tax time.
Learn more →Construction & renovation
Progressive drawdown loans for house-and-land, knockdown rebuilds and major renovations.
Learn more →Self-employed & alt doc
One year of returns, BAS statements or an accountant's declaration — lenders exist for each.
Learn more →Car, business & asset finance
Vehicles, equipment, fit-outs and working capital, including low-doc options for newer ABNs.
Learn more →A rough idea in thirty seconds
Drag the sliders for a ballpark repayment. A real assessment looks at your living expenses, existing debts, credit history and each lender's own buffer — which is where the number usually moves.
Want the accurate version? We'll run your numbers across the panel and send you a written summary.
Open the full calculatorsIndicative only. Principal and interest, no fees included. Not an offer of credit.
What clients say
Sample testimonials — replaced with the client's real Google reviews before go-live.
"Two banks told us no because my husband had only been contracting for eight months. We were ready to give up. Within a fortnight we had a pre-approval from a lender we'd never heard of, and we settled in March."
"I'd been on the same rate for six years and assumed loyalty counted for something. The refinance took three weeks and saved us just under $340 a month. I only wish I'd called sooner."
"Self-employed for three years and every bank wanted paperwork I didn't have. They knew exactly which lender would look at my BAS instead. Second investment property settles next month."
Read up before you commit
The deposit is not the only number that matters
Stamp duty, LMI, conveyancing and the buffer lenders quietly apply — what actually needs to be in your account.
Read the guide →How to tell if your loyalty tax is real
A five-minute check on your current rate, and the three costs that decide whether switching is worth it.
Read the guide →Structuring your first investment loan
Offset or redraw, interest-only or P&I, cross-collateralised or standalone — and why the choice is hard to undo.
Read the guide →Let's find out where you stand
A free, no-obligation chat. Nothing touches your credit file.