Australia's Smartest Home Loan Starts With One Question.
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Select your situation below and we'll show you exactly what's possible.
Your Situation. Your Solution.
Select your situation to see exactly what we can do for you.
Your bank has been charging you a loyalty tax for years.
The average refinancer saves $4,200 in year one. Broker360 handles the entire switch - paperwork, discharge, settlement. You do nothing except enjoy the lower rate.
- Rates from 6.09% p.a. (comparison rate 6.11% p.a.)
- Zero application, ongoing or exit fees - ever
- Get up to $3,000 cashback on refinances over $500k (limited time)
- Up to 6 free offset accounts included
- Full switching concierge - we handle everything
- Settlement in as little as 10 business days
- If we can't beat your rate, we'll tell you honestly
RatesRates from
Australians who switch lenders every 3–4 years save an average of $68,000 over the life of a 30-year loan. Loyalty rarely pays - but refinancing almost always does.
You don't need a 20% deposit. You need the right broker.
We've helped 5,800+ first home buyers get their keys faster - with smaller deposits, zero LMI fees, and a specialist available evenings and weekends.
- Buy with as little as 5% deposit (First Home Guarantee)
- No LMI from 10% deposit - save up to $30,000
- Pre-approval in 24 hours - before you start bidding
- Access 40+ lenders to find your best rate
- Free First Home Buyer Guide (plain English, no jargon)
- Specialist available evenings & weekends
- Government scheme eligibility check included
The Federal Government's First Home Guarantee lets eligible buyers purchase with just 5% deposit and no LMI. From October 2025, unlimited places are available. Price caps apply.
Banks penalise you for running your own business. We don't.
2.5 million Australians are self-employed. Most earn well but are structured for tax efficiency - which makes banks nervous. We have a dedicated pathway for how your income actually works.
- Approved from 1 year self-employment (banks need 2)
- Alt-doc: BAS statements, bank statements, or accountant letter
- Sole traders, company directors, contractors - all welcome
- Borrow up to 90% LVR - no equity locked up
- Same rates as PAYG borrowers - no self-employed premium
- Specialist who understands business income structures
- Decisions in 48 hours - not weeks
We look at your last 1–2 years of tax returns, BAS statements or bank statements - whichever paints the clearest picture. No benchmarking against industry averages.
Alt Doc & Low Doc loans: simple for the self-employed.
Traditional lending can be tough if you're self-employed. Our Alt Doc loans accept an accountant's letter or 6 months BAS - no benchmarking, just straightforward lending.
- Accountant's letter accepted in place of tax returns
- 6 months BAS statements - that's all we need
- No income benchmarking against your industry
- Approved from 1 year ABN registration
- Competitive rates - no self-employed premium
- Sole traders, directors, contractors all welcome
- Decisions in 48 hours - not weeks
Alternative documentation loans let you verify income using bank statements, BAS or an accountant's letter - instead of the full tax returns most banks require. Same competitive rates, less paperwork.
Bad credit? Your past doesn't define your future.
We offer debt consolidation loans for people who've had credit challenges. We look at your current capacity and commitment to a fresh start - not just your history.
- Debt consolidation loans — one manageable repayment
- We assess your current capacity, not just your credit score
- Defaults, judgements, and Part IX considered
- Specialist lenders who understand your situation
- Path to rebuilding a stronger credit profile
- Confidential, judgement-free assessment
- Honest advice — we tell you exactly what's possible
Our specialists approach your circumstances without judgement — helping you consolidate, stabilise, and build toward stronger financial health.
Australian Home Loan Tools
Compare rates, calculate repayments, borrowing power, deposit requirements & stamp duty - all in one place, powered by Broker360
| Lender | Interest Rate | Comparison Rate | Monthly Repayment | Rate vs Market | Features |
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This calculator provides an estimate only and should not be considered financial advice. Actual borrowing capacity may vary based on lender policies, credit history, and other factors. A 2.5% APRA serviceability buffer is applied above the entered interest rate. Please consult a qualified mortgage broker or financial adviser for personalised guidance.
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