Buying your first home
Work out your real budget, check if you qualify for the 5% deposit Home Guarantee Scheme and state grants, and get pre-approved before you bid.
Pre-approval · Grants · Low depositMortgage & finance broker · Australia
Home loans, sorted by someone on your side.
We compare loans from across our lender panel, do the paperwork, chase the bank, and stay with you through settlement and beyond. You get one person to call the whole way through.
- Bound by Best Interests Duty. The law requires us to recommend loans that suit you, not us.
- Usually no cost to you. The lender pays us, and we show you exactly how much.
- Phone, video or in person. Whatever suits you.
Estimated repayments
$0/month
Principal
Interest over the loan
Principal and interest, rate unchanged for the whole term. A guide only, not a quote.
Talk these numbers throughWhat we help with
Whatever you're buying, building or refinancing.
Most of our clients come to us at one of these moments. If yours isn't here, ask anyway.
Refinancing
If you haven't checked your rate in two years, you're likely paying more than new customers. We'll compare, switch, and handle the discharge.
Rate review · Equity · ConsolidationMoving or upsizing
Buy before you sell with bridging finance, or port your loan. We sequence the sale and purchase so the timing works.
Bridging · Next homeInvesting in property
Structure loans so each property stands on its own, use equity carefully, and keep borrowing capacity for the next purchase.
Structuring · Interest-only · EquitySelf-employed and business
Home loans for ABN holders and business owners, plus business, equipment and cash-flow finance for growing your operation.
ABN · Equipment · CommercialCar and personal finance
Car loans, novated leases and personal loans compared on the full cost, not just the advertised rate.
Car · Novated lease · PersonalWhy use a broker
A bank shows you its loans. We show you the market.
How we're paid
When your loan settles, the lender pays us a commission. It doesn't change your rate. Our Credit Guide sets out exactly how much before you commit to anything.
Choice across the market
Major banks, regional banks, credit unions and specialist lenders. Some of the sharpest rates come from lenders most people have never heard of.
We know who'll say yes
Each lender assesses income, expenses and property differently. Matching your situation to the right policy is how we avoid declined applications that mark your credit file.
We do the legwork
We prepare the application, deal with valuations and the lender's questions, and coordinate with your conveyancer and agent through to settlement.
We check in after settlement
Every year we review your rate against the market, so you're not quietly moved onto a worse deal.
Calculators
Run your own numbers first.
Quick estimates to start with. Every lender calculates these differently, so we'll give you real figures when we talk.
You could borrow around
$0
Monthly repayment at your rate
Lender's assessment rate
Monthly surplus after expenses
Indicative only. Uses 2026–27 tax rates and a 30-year term. Lenders also apply their own minimum living-expense benchmarks.
Get a real assessmentYou'd save each month
$0
Repayment now
Repayment after switching
Switching costs paid back in
Net saving over 5 years
Assumes principal-and-interest repayments over the same remaining term. A guide only, not a quote.
Ask us for a rate reviewStamp duty rates, first-home concessions and thresholds differ by state and change often. Use your state revenue office's official calculator for an exact figure, or ask us to include it in your upfront cost breakdown.
Your full upfront costs
Stamp duty is only one of them.
Stamp (transfer) dutyvaries by state
Mortgage & transfer registrationstate fees
Lenders Mortgage Insuranceif under 20%
Conveyancing & inspectionsyour providers
We'll list every cost for your purchase, and any concessions you qualify for, in one page before you make an offer.
Get your cost breakdownHow it works
From first chat to keys in hand.
Chat
A free 20-minute call about your goals, income and deposit. No credit check.
Compare
We shortlist loans that fit and explain the trade-offs in plain English.
Apply
You upload documents once. We prepare and lodge the application.
Approve
We manage the valuation and the lender's questions, and keep you updated.
Settle
We coordinate with your conveyancer so settlement day goes to plan.
Questions
The things people ask us most.
How much deposit do I need?
Many lenders want 20% to avoid Lenders Mortgage Insurance (LMI). Under the Australian Government's Home Guarantee Scheme, eligible first home buyers can buy with a 5% deposit, and eligible single parents with 2%, without paying LMI. We'll check what you qualify for.
What does it cost to use financely?
For most home loans, nothing. The lender pays us a commission when your loan settles, and it doesn't change your interest rate. If a fee ever applies to your situation, we'll tell you in writing before you go ahead.
Will talking to you affect my credit score?
No. An initial chat doesn't involve a credit check. We only run one when you're ready to apply, and we'll tell you before we do.
What is a comparison rate?
It combines the interest rate with most of a loan's fees and charges, so loans are easier to compare. It's calculated on a standard example of $150,000 over 25 years, so we'll show you what it means for your actual loan amount.
Can you help if I'm self-employed?
Yes. Lenders treat business income very differently. Some need two years of tax returns, some one, and some accept BAS statements. We match you to a lender whose policy fits how you earn.
Get in touch
Book a free, no-obligation chat.
Tell us a little about what you're planning. We'll get back to you as soon as we can.
- Emailinfo@financely.com.au
- Where we workClients across Australia
Domain for sale
financely.com.au is available.
A short, ready-made brand for an Australian lender, broker, budgeting app or fintech. This site shows one way it could look.
- Easy to say and spell. Finance plus a friendly -ly ending, nine letters, no hyphens or numbers.
- Built for Australian customers. A .com.au address is what local customers expect and trust.
- Fits many finance businesses. Mortgage broking, personal lending, accounting, budgeting or investing.
.com.au names can only be held by an entity with an Australian presence, such as an ABN or ACN.
Make an offer
Email your offer and we'll get back to you. Transfer can go through an escrow service so both sides are protected.
offers@financely.com.au
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