30–60 lenders compared free. Paid by the lender, never by you. That’s why 70% of Australians use a specialist.
A specialist compares 30–60 lenders in one conversation — a bank only offers its own products. Roughly 70% of Australian home buyers now use a specialist because they consistently secure rates 0.3%–0.5% lower than direct-to-bank offers. Using a specialist costs you nothing — no fee, no obligation, no commitment — and they operate under a legal Best Interests Duty (ASIC) to recommend what suits your situation. On a $600,000 loan, a 0.3% saving is $118/month — $42,480 over 30 years. No cost, no obligation, no commitment until you say so.
The same tools a specialist uses — borrowing, stamp duty, LMI, repayments, offset and more. Free, no sign-up.
See how much tax you save by salary sacrificing into super. You pay 15% contributions tax instead of your marginal rate (up to 45%).
Concessional super cap: $30,000/year (2024-25) including employer contributions. Contributions tax: 15% (30% for incomes over $250,000).
Indicative estimates only. Not financial advice.
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Get referred to a specialist →Every journey is different. Pick yours — we’ll walk you through what applies.
Deposits, LMI, government grants, and how much you can realistically borrow.
Read the free guide →3 RBA cuts in 2026. If you’re on an old rate, you’re overpaying. Check your savings.
Read the free guide →Selling and buying together. Bridging finance, equity and timing all line up.
Read the free guide →Lenders assess self-employed borrowers differently. Know which ones suit your setup.
Read the free guide →Interest-only, offset, structure — all matter for investment properties.
Read the free guide →Don’t know your borrowing capacity or credit position? Start here.
Read the free guide →The difference between the rate your bank offers and the rate a specialist negotiates is typically 0.2–0.5%. That sounds small. It isn’t.
Going direct to your bank — offered rate 6.10% p.a.:
Monthly repayment: $3,641
Total interest over 30 years: $711,000
Through a specialist — negotiated rate 5.59% p.a. (0.51% lower):
Monthly repayment: $3,442
Total interest over 30 years: $639,000
Monthly saving: $199. Total interest saved: $72,000. And the specialist’s service was free.
Banks have a standard variable rate (SVR) — and then a range of discounted rates for retention and acquisition. When you walk in, you get the SVR or a small discount. When a specialist submits your application, the lender knows you’ve compared the market. They compete harder. ASIC data confirms that specialist-originated loans consistently achieve lower interest rates than direct-to-bank applications (ASIC Report 516).
Pre-approval strategy: They know which lenders give conditional approval in 24 hours vs 2 weeks — critical in competitive markets where vendors want certainty.
Offset and redraw optimisation: They structure your loan with offset accounts, split fixed/variable portions, and extra repayment facilities — saving $20,000–$50,000 over the loan life.
Ongoing rate reviews: Good specialists review your rate annually and renegotiate or refinance if your current lender is no longer competitive. This prevents the “loyalty tax” that costs existing customers thousands per year.
Complex situations: Self-employed borrowers, contractors, visa holders, investors with multiple properties — specialists know which of the 60+ lenders will approve each situation.
Rates and savings are illustrative based on typical 2026 market conditions. Individual rates depend on your financial situation, LVR, and lender assessment. Specialists are licenced by ASIC and must act in your best interests under the Best Interests Duty.
Always. There is no scenario where going direct to a single bank gives you a better outcome than having a home loan specialist compare the entire market for free. Whether you’re a first home buyer, refinancing, self-employed, or investing — a specialist is the starting point.
Free info to help you decide, then a warm intro to a vetted specialist. Here’s how.
Browse our free guides and use the 10 professional-grade calculators to understand your numbers. No sign-up, no pressure — just clear information.
Send a quick email. Let us know your situation (buying, refinancing, investing, upgrading) and what’s important to you.
We review your needs and connect you with a vetted home loan specialist with access to 30–60+ lenders. All specialists are licensed, experienced and MFAA or FBAA members.
Your specialist contacts you directly. They compare the market, negotiate rates and features, and handle the paperwork through to settlement — all at no cost to you.
Nothing. In Australia, home loan specialists are paid by the lender when your loan settles — typically a 0.5–0.7% upfront commission plus a small trail. You pay the same rate whether you go direct to the bank or through a specialist, but with a specialist you get the market comparison done for free. This arrangement is disclosed under the National Consumer Credit Protection Act and regulated by ASIC.
Typical specialists have a panel of 30–60 lenders. This includes major banks (CBA, ANZ, NAB, Westpac), second-tier lenders (Macquarie, ING, Bankwest, Suncorp), and specialist non-bank lenders. They compare rates, features, and approval likelihood across their panel to find the best fit for your specific situation.
Not during the comparison stage. A specialist assesses your situation and compares lenders before any formal application — this has no credit score impact. A hard enquiry only happens when you formally apply to a specific lender. Crucially, a specialist reduces rejected applications (which DO hurt your score) because they know which lenders will approve each situation.
Usually yes. Specialists who send significant volume to a lender often access “pro-pack” or volume-discount rates 0.1–0.5% lower than the advertised rate. On a $600,000 loan, a 0.3% rate reduction saves about $118 per month — $42,480 over 30 years. ASIC’s Report 516 confirmed specialist-originated loans consistently achieve lower rates than direct-to-bank applications.
Since January 2021, all home loan specialists in Australia have been legally required under the National Consumer Credit Protection Act to act in your best interests when recommending a loan — not just recommend a loan that is merely “not unsuitable”. They must prioritise your interests over their own (including over their commission). This is enforced by ASIC.
A bank only offers its own products. A home loan specialist compares 30–60 lenders. A bank has no incentive to offer you their best rate (they rely on customer inertia). A specialist creates competition between lenders, which forces lenders to compete on rate and features. The specialist handles the application, document collection and settlement co-ordination — all at zero cost to you.
Conditional approval (pre-approval) typically comes through in 24–72 hours with the right preparation. Unconditional approval after you find a property usually takes 5–10 business days. Complex situations (self-employed, multiple properties, unusual income) can take 2–3 weeks. A specialist knows which lenders are fastest for each scenario.
Absolutely. If your current bank offers the best deal for your situation, the specialist will recommend them. The specialist’s role is to compare the whole market — not to steer you away from your existing bank. Many applications end up with the client’s current bank after the specialist negotiates a sharper rate than the bank initially offered direct.
Everything you need to know before applying, explained simply. Every guide below is free, no sign-up, and written specifically for the Australian market.