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Real rates · 21-lender panel

Mortgages,
managed.

A real broker estimate, back to you quicker than anyone in the market — completely free, with no credit-score impact. When you're ready, we handle the rest.

Compare rates
Licensed broker 21 Lenders Fast broker call-backNo credit-score impact

One search. 21 lenders.

The panel banks publishing live open-banking rates, each with its lowest advertised variable rate12.

Your numbers

See your borrowing power.

An indicative range from just three numbers — before you share anything else.

Quick estimate

Three numbers, no sign-up, no credit check.

Your indicative range appears here — most people are surprised by the spread between lenders.

Estimate only — not an offer or pre-approval. Subject to a full lender credit assessment.4

The process

How it works.

You've seen the market and your numbers. From a rate you like to a submitted application is three steps — and a licensed broker handles the rest.

Application · Fact-find
42%
What's your household income, before tax?
About $180k together.
And how much have you saved for the deposit?
1
15 minutes

Tell us a bit about you

When you spot a rate you like, we ask a few questions about your income, deposit, and what you're hoping to buy. Plain English, no PDFs. Stop anytime — it picks up where you left off.

2
A few minutes

Drop in your payslips and ID

Drag your payslips and ID straight into the upload — fully encrypted, packaged up ready for your broker. No printing, no scanning, no emailing documents around.

Document uploadExample
Payslip_March.pdf
Received
Drivers_Licence.jpg
Received
Bank_Statements.pdf
Received
StatusReady for broker review
Example
Application Submitted
Sent to lender
Rate submitted
5.49%
Next
Lender assessment
3
Handled for you

A licensed broker takes it from here

A qualified Australian mortgage broker reviews everything, picks the right lenders for your situation, and submits your application. They give you the regulated advice, lock in your rate, and stay with you all the way to settlement.

That's it. No catch.

After settlement

Never set-and-forget
your mortgage again.

Most brokers disappear after settlement — your Mage file stays open. Our rate feed refreshes every few hours, and your broker reviews your loan against it. When a switch is genuinely worth it, they call you and handle the move.

Rates refreshed every few hours across our 21-lender panel.
Your loan reviewed against the market by a person, not an algorithm.
A call only when a switch is genuinely worth your while.
Start refinancing
Daily market scanExample
Scanning 21 lenders
Current Rate3
6.10% p.a.(6.13% comp.)
Optimal
Market Best2
5.69% p.a.(5.72% comp.)
Est. Monthly Saving3Save $157/mo$600,000 loan · 30 yrs · 6.10% → 5.69% p.a.

Rates have shifted — your broker spotted a lower rate worth a look.

Questions

Frequently asked questions.

Quick answers to the questions borrowers ask most — chat to a licensed broker if yours isn't here.

Yes, 100% free to you. Like all mortgage brokers, we're paid by the lender when your loan settles — so comparing rates and getting your estimate costs nothing, and there's no obligation to proceed.

Begin

Ready when you are.

Start with the market, or start with your estimate — free either way, with no credit-score impact until you choose to formally apply.

Get your free estimateCompare rates

Encrypted in transit and at rest · Credit Representative No. 579760 · Australian Credit Licence No. 391237