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LP
Mortgage brokers, Australia-wide

The right loan. Properly compared.

Home loans, refinancing, investment and personal lending. 32 lenders on panel, free to you, ACL holder and MFAA member.

ACL holder, MFAA member Free to you 32 lenders on panel
Loan · Refinance owner-occupier
FILE #TLP-2814
$680k · 25 years remaining
Status
Approved
Old rate6.34%
New rate5.59%
Saving$362/mo
Lenders compared32
$0
Cost to you
11d
To approval
★4.9
Rated
ACL holder
MFAA Member
9+
years brokering
32
lenders on panel
4,200
loans settled
4.9
318 reviews
Process

How it works

  1. 1

    Free strategy call

    20-minute video call. We listen, model your goals, and outline what's possible.

  2. 2

    Compare 32 lenders

    We map your situation against the full panel — rate, structure, fees, features. You see the comparison in writing.

  3. 3

    Apply with the right lender

    We submit, manage the back-and-forth with the lender, chase valuations, and shepherd to approval.

  4. 4

    Settle and stay in touch

    Loan settles, we hand over docs, and check in at 6 and 18 months to make sure the rate is still competitive.

Testimonials

What clients say

★★★★★
“My bank said they couldn't do better. The Loan People found me a 0.78% lower rate at a different lender. Saving $480 a month, switching cost recovered in 2 months. Should've done this years ago.”
Michelle T.
Melbourne · Dec 2025
★★★★★
“Self-employed, two banks said no. Broker mapped us against five specialist lenders, found one that took our last two BAS statements as proof of income. Approved in 3 weeks. Could not have done it without them.”
James W.
Perth · Oct 2025
★★★★★
“Bought my third investment property last year. Broker structured the equity release across the existing two so I didn't cross-securitise. Worked with my accountant on tax-effective structure. Genuinely strategic broker.”
Priya S.
Sydney · Sept 2025
Where we work

Australia-wide, video-first

Most clients are video-call from start to finish. In-person where it suits — capital cities and major regional centres.

FAQ

Common questions

How much does your service cost? +
Free to you. We are paid by the lender after settlement. There is no fee for the strategy session, application, or post-settlement support.
How is that different from going direct to a bank? +
A bank can only offer their own products. We compare 32 lenders on every application, sharpen rates, and structure the deal to fit you specifically — including options banks won't mention.
Can you help if I've been declined by my bank? +
Often, yes. There are 32 lenders on our panel, including specialist lenders for self-employed, gig-economy, and impaired-credit borrowers. Tell us what happened, we'll be honest about your options.
How long does pre-approval take? +
Most pre-approvals 5-10 business days from application. Standard turnaround for full approval after you find a property is 2-4 weeks.
How much can I save by refinancing? +
Average savings across our recent refis: 18% off monthly repayments. We model the exact saving for your loan in the strategy session — no point switching for cosmetic differences.
Get a quote

Tell us about the job

We'll reply within 4 business hours with a clear, fixed quote.

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Take 20 minutes. Save thousands.

Free strategy call, no obligation, 32 lenders compared. Average refinance saves clients 18% on monthly repayments.