Independent Mortgage Broking

Your bank is not
giving you their best rate

We compare 60+ lenders to find you a rate your bank won't offer — and handle everything from application to settlement.

What are you looking to do?

Refinance · Rate Review
Rates from 5.35% p.a.
Your bank is charging more
The Big Four's lowest variable right now is 6.09% — a gap of 0.74%. On a $600,000 loan that's over $4,400 a year you're likely overpaying. Plus, several lenders on our panel are currently offering cashback to switch.
5.35%
Lowest rate on our panel right now
p.a. variable
$10k
Max cashback for eligible loans over $1M
cashback
$4,400
Typical annual saving vs. Big Four on $600k
saving/yr
  • Cashback tiered by loan size — up to $3,000 for loans above $500k, up to $10,000 for loans above $1M from lenders on our panel
  • No loyalty tax — banks rarely offer their best rates to existing customers. Refinancing is how you access them
  • We handle the paperwork — discharge, new application, settlement coordination. You just sign
  • No broker fee — we're paid by the lender, not you

Rates correct as of June 2026. For eligible owner-occupier P&I loans at ≤80% LVR. Your rate depends on loan amount, LVR, and lender assessment. Cashback subject to lender eligibility criteria.

Purchase · First Home · Upsizing
Rates from 5.35% p.a.
with the right lender for your situation
Not every lender suits every buyer. We match you to the right policy — whether you need a high LVR, a fast turnaround, or a lender that understands your income structure.
5.35%
Lowest variable purchase rate on our panel
p.a. variable
5%
Min deposit with eligible lenders (LMI may apply)
min deposit
60+
Lenders compared to find your best fit
lenders
  • Pre-approval in days, not weeks — we know which lenders move fast and which to avoid for your timeline
  • Policy matters as much as rate — some lenders will say yes where others won't. We know the difference
  • First Home Guarantee eligible lenders — buy with as little as 5% deposit without LMI if you qualify
  • No broker fee — our service costs you nothing. The lender pays us on settlement

Rates correct as of June 2026. For eligible owner-occupier P&I loans. LMI and eligibility criteria apply to low-deposit lending.

Investment · Portfolio · SMSF
Build your portfolio
without overpaying to do it
Investor loan policy varies wildly between lenders — some are actively competing for your business right now. The right structure from the start saves you significantly over time.
5.69%
Competitive investor variable rates on our panel
p.a. variable
$10k
Cashback for eligible investor refinances over $1M
cashback
I/O
Interest-only options across our lender panel
available
  • Interest-only available — maximise cashflow on your investment. We know which lenders offer the best I/O terms
  • Portfolio structuring — cross-collateralisation, debt recycling, multiple properties — we help you think it through
  • Investor-friendly lenders — some have switched off investor lending. We know who's open and competitive right now
  • No broker fee — paid by the lender on settlement, not you

Rates correct as of June 2026. Indicative for P&I loans at ≤80% LVR. I/O rates and cashback subject to lender eligibility. Speak to your accountant re tax implications.

Free Assessment · No Obligation
Not sure where to start?
That's exactly what we're here for
Tell us a little about your situation and we'll map out what's available — borrowing capacity, realistic rates, and lenders likely to approve you. No commitment, no cost, just clarity.
Free
Full assessment of your borrowing power and options
no cost
60+
Lenders we compare on your behalf
lenders
<1hr
Typical response time during business hours
response
  • No credit check to explore — we can give you a clear picture before anything formal is lodged
  • Plain English advice — no jargon, no pressure. Just an honest conversation about what's realistic
  • Refinance or purchase — we cover both, and can often help with both at once
  • No broker fee — there's no cost to you at any point in the process
Get your free assessment
Fill in your details and we'll come back with options — usually within 1 business hour.
$500,000
$100k$500k$1M$2M+

No obligations. We'll be in touch within 1 business hour during business days.

Enquiry received

Thanks — we'll review your details and be in touch within 1 business hour with your options.

Australian Credit Licence
No broker fee
60+ lenders compared
Response within 1 business hour
LoanForge Pty Ltd · ACN 696 898 843 · Credit Representative 578359 of BLSSA Pty Ltd ACL 391237
General information only. Does not constitute credit advice. Rates are indicative and subject to lender assessment and change without notice. Privacy Policy