Mortgage broking
The right home loan, from 40+ lenders, at no cost to you
We compare the market, negotiate the rate and manage the application from pre-approval to settlement. You get one broker who knows your situation, not a call centre.
- Big four banks and 36+ other lenders
- Pre-approval in as little as 48 hours
- No broker fee — the lender pays us
- Fixed, variable, split and offset options
- Grants and concessions applied for you
- Annual rate review after settlement
What we help with
Loans for every stage
First home buyers
Grants, stamp duty concessions, the 5% deposit scheme and how to avoid lenders mortgage insurance.
Enquire →Refinancing
A free health-check on your current loan. If staying put is the better move, we'll say so.
Enquire →Investment loans
Interest-only structures, offset accounts and using equity to grow your portfolio.
Enquire →Upgraders & downsizers
Bridging finance and timing a sale and purchase so you're never stuck between homes.
Enquire →Construction & renovation
Progress-payment loans for building, knock-down-rebuilds and major renovations.
Enquire →Our lender panel
We compare the banks you know and the ones you don't
Smaller lenders often beat the big four on rate and fees. We show you the full picture.
Calculator
Estimate your repayments
Drag the sliders to see how loan size, rate and term change your repayments. Runs in your browser — nothing is saved or sent.
Indicative only. Assumes principal-and-interest repayments, a constant interest rate and no fees. Actual repayments depend on the lender, product and your circumstances. This is not an offer of credit.
How it works
From first chat to settlement
- 1
Discovery call
15 minutes to understand your goals, income and timeline.
- 2
Compare & recommend
We shortlist lenders and products with a plain-English comparison.
- 3
Pre-approval
We lodge the application and manage lender questions for you.
- 4
Settlement & beyond
We coordinate with your conveyancer and review your rate every year.
Common questions
How much does a mortgage broker cost?
Nothing, in most cases. We're paid a commission by the lender you choose, and that doesn't change your rate or fees. If a lender doesn't pay commission we'll tell you up front before you proceed.
Why use a broker instead of going to my bank?
Your bank can only offer you its own products. We compare more than 40 lenders — including the big four — and negotiate on your behalf. We also handle the paperwork and chase approvals so you don't have to.
How long does pre-approval take?
Typically 2–5 business days once we have your documents. Some lenders offer same-day pre-approval for straightforward applications.
Will enquiring affect my credit score?
No. A conversation with us and a borrowing estimate don't touch your credit file. A credit check only happens when you decide to lodge an application with a lender.
Keystone Finance Pty Ltd, Credit Representative No. 000000, is a credit representative of ABC Aggregator Pty Ltd, Australian Credit Licence 000000. Read our Credit Guide.