Our algorithm analyzes 20+ lenders to find your perfect match. Whether you're a first home buyer, refinancing, or investing—we calculate your LVR, DTI, and approval probability automatically.
🔒 Secure • No credit score impact • 100% free service
Our algorithm works across all home loan types
Low deposit options, government grants, First Home Loan Deposit Scheme (FHLDS)
Lower your rate, consolidate debt, access equity, switch from interest-only
Buy-to-let, interest-only options, negative gearing, portfolio expansion
Build new home, knockdown rebuild, land + construction packages
Move to larger home, downsize for retirement, relocate for work
Defaults, missed payments, bankruptcy discharged, low credit score
Real calculations, not guesswork
Our 2-minute assessment collects:
Our algorithm automatically calculates:
Each of 20+ lenders gets scored on:
See your matches categorized by quality:
Each lender shows:
We calculate these automatically—here's what they mean
Formula: (Loan Amount ÷ Property Value) × 100
Example: $400K loan ÷ $500K property = 80% LVR
Our algorithm: Calculates your LVR and matches you with lenders who accept your ratio. Scores 30 points based on LVR quality.
Formula: (Monthly Debts + Loan Payment) ÷ Monthly Income × 100
Example: $4,500 total ÷ $8,000 income = 56% DTI
Our algorithm: Calculates DTI automatically (many brokers don't!). Applies rate adjustments based on your ratio. Scores 25 points for income strength.
Credit score ranges:
Traditional brokers show you advertised rates. We show you the personalized rate you're likely to get based on your credit profile.
Our algorithm: Applies actual rate adjustments based on credit score. Worth 25 points in match scoring.
20+ lenders we compare for your home loan
Best for: Low LVR (<80%), excellent credit (700+), PAYG employment, standard properties
Best for: Competitive rates, LVR up to 90%, investment properties, online-savvy borrowers
Best for: Self-employed, credit-impaired, high LVR (up to 95%), non-standard income, unique properties
All lenders verified and actively accepting home loan applications as of October 2025. Rates and criteria updated monthly.
Actual matching results from our algorithm
Why this works: Strong income (3.8x minimum requirement), excellent credit score, good LVR, stable employment, and substantial savings all contribute to high match scores.
If another broker finds you a better home loan rate that our algorithm missed, we'll match it and give you $500. We're that confident in our matching technology.
A: Our algorithm calculates approval probability based on 6 weighted factors that lenders actually use in their assessments. While we can't guarantee approval (only lenders can), our probability indicators are based on: LVR limits, DTI thresholds, credit score requirements, employment criteria, and genuine savings policies from each lender's actual lending criteria.
A: Our algorithm automatically factors in Lenders Mortgage Insurance (LMI) and matches you with lenders who accept higher LVRs. We show you the total cost including LMI, and compare options like the First Home Loan Deposit Scheme (FHLDS) which can help you avoid LMI with only 5% deposit.
A: Yes! Our algorithm includes specialty matching bonuses. Self-employed applicants get matched with lenders like Liberty Financial who specialize in alternative income verification. We calculate your income differently and match you with lenders who accept 1 year of financials instead of requiring 2+ years.
A: Rate comparison sites show advertised rates for everyone. We calculate YOUR personalized rate based on your credit score, LVR, DTI, and profile. We also show you approval probability and match confidence—not just a list of rates you might not qualify for.
A: No. Our service is 100% free to you. We're paid commission by lenders when your loan settles. This doesn't affect your rate—lenders pay us the same commission whether you come to us or go direct to them. The difference is you get our technology and expertise for free.
A: For the 2-minute assessment, you don't need any documents—just basic information you'll already know. If you proceed with an application, typical documents include: payslips (last 3 months), bank statements (3-6 months), ID, proof of savings/deposit, and employment letter. We'll give you a specific checklist based on your situation and chosen lender.
Get matched with 20+ lenders in 2 minutes
Start Free Home Loan Assessment →2 minutes • No credit impact • 100% free • 20+ lenders compared