Every step, in the open.
You answer about 15 minutes of questions, software compares our 21-lender panel, and a licensed broker reviews the result — your estimate is back quicker than anyone in the market.
What we ask, and why.
The fact-find is about 15 minutes of plain-English questions: who you are, how you earn, what you owe, what you’ve saved, and what you want the loan to do. No PDFs, no jargon.
It’s the same ground a lender covers when they assess you. Answering it once, properly, is what makes the comparison real — and lets your broker start from facts instead of guesswork.
Stop whenever you like. Your answers save as you go, and the fact-find picks up where you left off.
Your answers stay yours.
Your data is encrypted in transit and at rest. We never sell it, and never use it to train AI models outside of your direct interactions with our service.
No credit check
No credit check at estimate stage — a credit check only happens if you choose to formally apply with a lender.
How the ranking works.
The comparing is done by software, in the open — same method, every file.
The whole panel, every time
Your estimate is compared across the full 21-lender panel — every lender on it, ranked the same way, every time. Not a shortlist we happened to feel like showing.
Rates that stay current
Advertised rates are pulled straight from the banks that publish open-banking feeds and refreshed every few hours — the comparison runs on current numbers, not a stale snapshot.
Commission never ranks your options
Options are ranked on cost and fit for your situation. What a lender would pay us plays no part, and it’s disclosed to you in writing before you apply.
You don’t have to take our word for it — the live comparison is public, no sign-up needed. And the full revenue model is spelled out on the About page.
What the broker actually does.
An estimate is software’s opinion. What reaches you is a broker’s.
Checks your file against real lender policy
Lenders differ on how they treat casual income, HECS debt, or a smaller deposit. Your broker checks your circumstances against the policies that actually apply — not just the advertised rate.
Sanity-checks the shortlist
The software’s ranking is a starting point, not a verdict. Your broker reviews the numbers before any recommendation reaches you — it’s their judgement that stands behind it.
Gives the regulated advice
The recommendation you receive is regulated advice from a licensed professional — reasoning shown, commission disclosed in writing before you apply.
Your estimate comes back quicker than anyone in the market.
Operating as Credit Representative No. 579760, authorised under BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence No. 391237).
After you say go.
Application to settlement is your broker’s job to run. Here’s the split — you’ll always know whose move it is.
Your broker’s side
- Prepares and lodges the application with your chosen lender.
- Tracks it through assessment and chases the lender, so you don’t have to.
- Stays on the file through approval to settlement day.
Your side
- Upload your payslips and ID once — encrypted, no printing or scanning.
- Watch progress in your dashboard as your application moves through to settlement.
- Say yes or no. Nothing proceeds without you, and there’s no obligation at any stage.
Common questions.
Is Mage a licensed broker?
Yes. Mage operates as Credit Representative No. 579760, authorised under BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence No. 391237). We adhere to the same strict regulatory standards as any traditional bank or broker.
Do you compare the whole market?
No — and we’d rather say so plainly. We compare our 21-lender panel: wide, but not the whole market. Every lender on it gets compared, every time.
Can I use Mage to refinance?
Yes. Refinancing works the same way as a new loan — compare current rates, chat through your situation, upload your documents, and a licensed broker handles the switch from your existing lender to the new one through to settlement.
Ready when you are.
You’ve seen every step — the first one takes about 15 minutes. Free, no obligation.
Get your free estimate