Home loans, simplified.
Confidence, included.
Rates have risen four times this year. Tell us what you're planning and we'll compare lenders across our panel, handle the paperwork and call you with real options. Two minutes, no credit check.
What can we help you with?
Every kind of loan, one broker
From your first home to your fifth investment, including the tricky ones banks often say no to.
First home buyers
5% deposit, no LMI, stamp duty relief
Learn moreRefinance
Lower your rate, cash out or consolidate
Learn moreBuying your next home
Upgrade, downsize or bridge
Learn moreInvestment loans
Buy, structure and grow a portfolio
Learn moreConstruction & land
Build, knockdown-rebuild or buy land
Learn moreSelf-employed & low doc
Full doc, low doc and alt doc
Learn moreGuarantor & no deposit
Family guarantee, little or no deposit
Learn moreBridging loans
Buy before you sell
Learn moreFrom first question to keys in hand
Tell us your plan
A few quick questions online. No credit check and no documents yet.
We compare and call
A Finfident broker compares lenders and explains the trade-offs on a short call.
We do the paperwork
We lodge your application, chase the lender and keep you updated in your client portal.
Settle, then we check in
We review your rate every year so it doesn't quietly drift up.
Buy with 5% down and no lenders mortgage insurance
The 5% Deposit Scheme now has no income caps and unlimited places. Stack it with NSW stamp duty relief and the First Home Super Saver scheme, and your deposit target can shrink by years.
- No stamp duty for NSW first home buyers up to $800,000
- Price cap of $1.5 million in Sydney and NSW regional centres
- Help to Buy available from a 2% deposit for eligible incomes
Quick deposit check
- Loan amount
- Est. repayment*
*P&I over 30 years at an example rate of 6.49% p.a. Not an offer of credit.
Four rate rises in 2026. When did you last check yours?
Lenders often keep their sharpest rates for new customers. We'll ask your bank to match first, and switch you if they won't.
Run your numbers before you talk to a bank
Book a time that suits you
Pick a 15 or 30-minute phone or video call with a Finfident broker. Free and obligation-free.
Or request a call back
Straight answers from a broker
RBA Lifts Rates to 4.60%: What the September 2026 Rise Means for You
The RBA raised the cash rate to 4.60% on 29 September 2026, its fourth rise this year. Here's what it means for your repayments and what to do now.
The 5% Deposit Scheme in 2026: Who Qualifies and How It Works
Buy your first home with a 5% deposit and no LMI. Here's who qualifies for the Australian Government 5% Deposit Scheme in 2026, the price caps and the catches.
When Is the Right Time to Refinance Your Home Loan?
Six signs it's time to refinance your home loan, from your fixed rate ending to a rate gap of 0.30% or more. Plus when refinancing isn't worth it.
Things people ask before they call
Do I pay for a mortgage broker?
Usually not. Lenders pay brokers a commission when your loan settles. If a fee ever applies to your situation, we'll tell you in writing before you proceed.
Will checking my options affect my credit score?
No. Our questions and calculators don't trigger a credit check. An enquiry is only made when you agree to apply with a lender.
How quickly will someone call me?
We aim to call within 2 business hours, at the time you choose. You can also book a time online.
You're Sydney-based. Can you help me in another state?
Yes. Everything can be done by phone, video and secure email, and settlement is electronic, so we help clients Australia-wide.
How many lenders do you compare?
We compare home loans from a panel of banks, credit unions and non-bank lenders through our aggregator, Outsource Financial.
Are you legally required to act in my interests?
Yes. Mortgage brokers must comply with the Best Interests Duty under the National Consumer Credit Protection Act.
Ready to see your options?
Two minutes online, then a real broker calls you. No credit check, no obligation.