No personal details required to see your rates

Expert Mortgage Brokers
Comparing 60+ Australian Lenders

See real rates before you speak to anyone. Our brokers compare over 3,000 products across 60+ lenders to find the best loan for your situation. Completely free, ASIC regulated.

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60+ Lenders
3,000+ Products
$0 Fee
ASIC Regulated
60+ Lenders| 3,000+ Products| $0 Broker Fee| Australian Credit Licence 555042
60+ lenders on our panel including
AMP BankANZAustralian Military BankAuswide BankBank AustraliaBank of ChinaBank of MelbourneBank of QueenslandBank of SydneyBankSABankwestBendigo BankBetter Choice Home LoansBrighten Home LoansCBAFirst FederalFunding.com.auGreat Southern BankHealth Professionals BankHejaz Islamic Credit SolutionsHeritageHSBC BankIMBINGLa TrobeLiberty FSMA MoneyMacquarie BankME BankMedfinMyStateNABORDE FinancialPepper MoneyQudos BankResimac PrimeSt GeorgeSuncorpTeachers Mutual BankVirgin MoneyWestpac AMP BankANZAustralian Military BankAuswide BankBank AustraliaBank of ChinaBank of MelbourneBank of QueenslandBank of SydneyBankSABankwestBendigo BankBetter Choice Home LoansBrighten Home LoansCBAFirst FederalFunding.com.auGreat Southern BankHealth Professionals BankHejaz Islamic Credit SolutionsHeritageHSBC BankIMBINGLa TrobeLiberty FSMA MoneyMacquarie BankME BankMedfinMyStateNABORDE FinancialPepper MoneyQudos BankResimac PrimeSt GeorgeSuncorpTeachers Mutual BankVirgin MoneyWestpac
How Lendera Works
01

Tell us your scenario

Buying, refinancing, or investing? Answer a few quick questions about your loan situation. No name, email or phone number needed.

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02

Get matched instantly

Our AI scans 3,000+ products across 60+ lenders and surfaces your top matches in real time. Real rates, not marketing ranges.

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03

Talk when you're ready

Connect with a specialist broker only when you choose to. No pressure, no unsolicited calls, no spam.

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Why Use a Mortgage Broker?

Access to 60+ Lenders

One application gives you access to over 60 lenders. Instead of approaching banks individually, your broker compares the entire market to find the product that fits your situation.

Expert Guidance

Lending criteria differ dramatically between lenders. Your broker knows which lenders suit your income type, property type and financial position, saving you time and rejected applications.

$0 Cost to You

Mortgage brokers in Australia are paid by the lender through upfront and trail commissions. You pay nothing for our service. The rate you receive is the same as going direct.

Best Interests Duty

Since 2021, brokers are legally required to act in your best interest, not the lender's. This means recommending the loan that suits you most, not the one that pays the highest commission.

What Our Brokers Help With

Home Loans

Owner-occupier loans with competitive variable and fixed rates from 60+ lenders.

Refinancing

Switch to a sharper rate and save thousands. We handle the entire process for you.

First Home Buyers

Navigate grants, stamp duty concessions and low-deposit schemes with expert guidance.

Investment Loans

Interest only, principal and interest, and portfolio structuring for property investors.

Commercial Finance

Business loans, commercial property and SMSF lending from specialist lenders.

Car and Asset Finance

Competitive car loans, equipment finance and chattel mortgages for individuals and businesses.
Radical Transparency

See real lender rates.
No gatekeeping.

Most brokers make you book a call just to find out if you qualify. We think that's backwards.

Lendera shows you actual rates from our live lender panel in seconds. Before you've even told us your name. When you're ready to move forward, our accredited brokers handle everything from application to settlement.

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What you get with Lendera
Live rates from 60+ lenders, updated continuously
No login or account creation required
No personal data captured upfront
Real products. Not placeholder rate ranges
Zero broker fee. We're paid by the lender
ASIC regulated & Finsure accredited
Human broker support when you're ready
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Find a Mortgage Broker Near You
Sydney Melbourne Brisbane Perth Adelaide Canberra Hobart Darwin Gold Coast Newcastle Wollongong Geelong Sunshine Coast Townsville Cairns Toowoomba Ballarat Near Me
What Our Clients Say
★★★★★ 5.0 on Google
★★★★★

"I messaged back and forward for about a year for advice about my mortgage and each time the team responded so quickly with very thorough and detailed advice."

Rose-Megan H.
★★★★★

"I was looking to refinance and the team was great throughout the whole experience. Extremely knowledgeable and very helpful. Managed to get me a much better rate than what I was paying!"

Warren L.
★★★★★

"The team were amazing in our recent property purchase. Being first home buyers, we really appreciated all their guidance."

Jake M.

Frequently Asked Questions

Yes. Mortgage brokers in Australia are paid by the lender, not by you. You receive the same interest rate whether you go directly to a bank or use a broker like Lendera. There are no fees, charges or hidden costs for using our service.
Mortgage brokers earn an upfront commission of approximately 0.5% to 0.7% of the loan amount at settlement, plus an ongoing trail commission of around 0.15% to 0.2% per year. These commissions are paid by the lender and do not affect the interest rate you receive.
Yes. Lenders offer the same rates whether you apply through a broker or directly. In many cases, brokers can negotiate sharper rates because they leverage competition between multiple lenders on their panel.
Lendera compares over 3,000 products across 60+ Australian lenders, including major banks, non-bank lenders and credit unions. Our panel is powered by Finsure, one of Australia's largest mortgage aggregators.
You can see personalised rates in under 2 minutes using our online tool. Once you decide to proceed, pre-approval typically takes 1 to 3 business days. Full approval takes 5 to 14 business days, and settlement is usually 2 to 6 weeks after that.
Most lenders require identification (driver's licence or passport), recent payslips or income evidence, bank statements covering 3 to 6 months, and details of any existing debts. Self-employed borrowers typically need two years of tax returns and financial statements. Your broker will provide a tailored checklist based on your situation.
Yes. Lendera works with specialist lenders who consider applications from borrowers with adverse credit history, including defaults, judgements and Part IX agreements. Rates may be higher than standard products, but a broker can help you find the most competitive option and plan a pathway back to mainstream lending.
The Best Interests Duty is a legal obligation introduced in 2021 that requires mortgage brokers to recommend the loan that is most appropriate for your needs, not the one that pays them the highest commission. It is enforced by ASIC and carries significant penalties for non-compliance. This duty does not apply to bank staff.
Ready to find your best rate?

Stop overpaying on your mortgage.

Discover exactly what you qualify for. Without giving away a single personal detail first. 60+ lenders. Real rates. Zero obligation.

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No credit check. No spam. No obligation. Regulated by ASIC.