We don't have decades of experience. We don't have thousands of past clients. What we have is 800+ lines of sophisticated matching code, 32+ verified lenders, and a commitment to transparency.
The problem with traditional loan brokering
Traditional brokers rely on:
Result: You don't know if you're getting the best deal, or just the deal your broker knows about.
Lender matching is a data problem, not an experience problem.
Realization: An algorithm can do this better, faster, and more objectively than a human.
A technology-first loan brokerage:
Result: You get objective, data-driven lender matches instead of subjective broker opinions.
Technology advantages over experience:
We're honest about being new
Why choose us anyway?
Because our technology does what experience can't: analyze ALL 32+ lenders objectively in 2 minutes, calculate exact match scores and approval probability, show personalized rates (not advertised rates), and provide complete transparency on why each lender was recommended.
Traditional brokers have experience—but experience comes with bias, limited lender knowledge, and slower service. Our algorithm doesn't have bias. It just has data.
The rules we operate by
We believe: Lender matching is a data problem that technology solves better than human judgment.
What this means for you:
We believe: You deserve to know exactly how decisions are made and why certain lenders are recommended.
What this means for you:
We believe: You want answers fast, not forced small talk or unnecessary "discovery calls."
What this means for you:
We believe: Every claim should be backed by data, research, or verifiable facts.
What this means for you:
We believe: Admitting what you don't have builds more trust than pretending you're something you're not.
What this means for you:
We believe: Being new means we can improve faster than established brokers stuck in old ways.
What this means for you:
If another broker finds you a lender that our algorithm missed AND that lender offers better terms, we'll pay you $500.
We're that confident in our matching technology.
Terms: Other broker must provide written confirmation. Lender must have been on our radar (one of our 32+). If we genuinely missed them in our algorithm, we'll pay $500 + improve our algorithm so it doesn't happen again.
100% transparent about our business model
When your loan settles, the lender pays us a commission. This is standard in the brokerage industry and costs you nothing. Lenders pay the same commission whether you come to us or go directly to them—the difference is you get our technology and expertise for free.
Typical commission: 0.5-0.7% of loan amount (home loans), paid by lender, not you
Our algorithm doesn't know which lenders pay higher commissions. It ranks lenders based purely on match score (LVR quality, income strength, credit quality, employment, savings, specialty bonuses). Commission rates are not an input to the algorithm.
Our incentive: Get you the best match so you complete the loan and recommend us to others. A bad match that doesn't settle = $0 commission. A great match = happy client + referrals + sustainable business.
A: You shouldn't trust us because we're new—you should trust us because our approach is better. Our algorithm analyzes ALL 32+ lenders objectively in 2 minutes. Established brokers rely on personal relationships with 10-15 lenders and subjective judgment. Which would you prefer: comprehensive data-driven analysis or limited options based on "experience"?
A: Because lender matching is a data problem, not an experience problem. Lender criteria (LVR limits, DTI thresholds, credit requirements) are published and verifiable. Our algorithm uses this data to calculate match scores mathematically. Experience comes with bias and limited lender knowledge. Our algorithm has neither—just data.
A: We have a $500 guarantee. If another broker finds a better lender that our algorithm missed, we'll pay you $500 AND fix our algorithm. We're confident this won't happen because our algorithm checks ALL 32+ lenders systematically. But if it does, we'll make it right.
A: We're in the process of obtaining our Australian Credit License (ACL). Until approved, we operate as a credit representative under an established aggregator's ACL. This gives us authorized access to all major lenders while we complete our own licensing. Status: [Pending - Expected Q1 2025]
A: We're a real, licensed brokerage that uses technology as our competitive advantage. We handle the full loan process: matching, application submission, lender communication, document collection, settlement coordination. The difference is our matching is done by algorithm instead of manual comparison.
A: If you've already been matched with a lender and submitted an application, that application continues directly with the lender—we're just the introducer. If we close before you settle, the lender relationship continues. Your loan is with the lender, not with us. That said, we're built for sustainability: low overhead (digital-only), strong technology foundation, and growing user base.
See how data-driven matching works—100% free, 2 minutes, instant results
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