Your Home, Your Future, Our Guidance
Whether you're buying your first home or refinancing, we make home loans simple, stress-free and tailored to you.
Or tell us what you're planning
Next decision 3 Nov. What it means for you →
Finfident Loan Compass
One free check-up that shows exactly where you stand, whether you're buying your first home or have owned for years.
- Loan Health Check on every loan you have: your rate, LVR, structure and fixed-rate expiry, graded A to D
- Your equity and possible savings, plus a free property valuation on request
- Buying? Your borrowing power, price range, LMI and 5% Deposit Scheme check
- A branded report you can save as a PDF. No credit check.
Are you paying too much on your home loan?
Lenders often keep their sharpest rates for new customers. Enter three numbers to see what you could save, then a Finfident broker confirms it with real lenders.
- Takes about 60 seconds
- No credit check and no obligation
- We ask your current lender to match first
Loan health check
How Finfident helps you home
Understanding you
We take the time to understand your full financial picture: income, expenses, credit history and long-term goals, so we can guide you with confidence.
Comparing smarter
With access to 40+ lenders, we compare interest rates, features and fees to match you with the loan that truly fits your life.
Taking care of the paperwork
We handle the application, paperwork and coordination with lenders and conveyancers, so you can focus on your next move.
More than a broker
We stay in touch well after settlement. Whether you're refinancing, investing or just curious, we're here for the long run.
Explore our financial calculators
Easy-to-use tools to help you understand your finances and make informed decisions.
Borrowing power
- Easy to use
- Instant estimate of your borrowing capacity
- Talk to us to confirm with real lenders
Refinance savings
- Are you getting the best deal?
- Could you be paying too much interest?
- See your savings before you decide
Offset account
- Do you have an offset account?
- Are you using it efficiently?
- See how much interest an offset can save
Why choose Finfident Finance Brokers?
At Finfident, we're more than mortgage brokers. We're your partner for every step of the journey. Here's what sets us apart:
Self-employed, new to Australia, or had credit issues in the past? We specialise in getting tougher loans approved by matching you with lenders whose policy fits.
We look at your whole picture, from income and expenses to plans for the next five years, then shortlist loans that suit how you actually live.
No jargon and no pressure. We explain the trade-offs in plain English, show you what we compared and tell you how we're paid.
We stay in touch after settlement and review your rate periodically, so your loan keeps working for you as life and the market change.
Every kind of loan, one broker
From your first home to your fifth investment, including the tricky ones banks often say no to.
First home buyers
5% deposit, no LMI, stamp duty relief
Learn moreRefinance
Lower your rate, cash out or consolidate
Learn moreBuying your next home
Upgrade, downsize or bridge
Learn moreInvestment loans
Buy, structure and grow a portfolio
Learn moreConstruction & land
Build, knockdown-rebuild or buy land
Learn moreSelf-employed & low doc
Full doc, low doc and alt doc
Learn moreGuarantor & no deposit
Family guarantee, little or no deposit
Learn moreBridging loans
Buy before you sell
Learn moreBuy with 5% down and no lenders mortgage insurance
The 5% Deposit Scheme now has no income caps and unlimited places. Combine it with NSW stamp duty relief and the First Home Super Saver scheme, and your deposit target can shrink by years.
- No stamp duty for NSW first home buyers up to $800,000
- Price cap of $1.5 million in Sydney and NSW regional centres
- Help to Buy available from a 2% deposit for eligible incomes
Quick deposit check
- Loan amount
- Est. repayment*
*P&I over 30 years at an example rate of 6.49% p.a. Not an offer of credit.
Frequently asked questions
Quick answers to the questions we hear most. Want more? We've gathered every answer from all our guides in one place.
Do I pay for a mortgage broker?
Usually not. Lenders pay brokers a commission when your loan settles. If a fee ever applies to your situation, we'll tell you in writing before you proceed.
Will checking my options affect my credit score?
No. Our questions and calculators don't trigger a credit check. An enquiry is only made when you agree to apply with a lender.
How quickly will someone call me?
We aim to call within 2 business hours, at the time you choose. You can also book a time online.
You're Sydney-based. Can you help me in another state?
Yes. Everything can be done by phone, video and secure email, and settlement is electronic, so we help clients Australia-wide.
Do I need to be a first home buyer to use the 5% Deposit Scheme?
Usually, yes. You can also qualify if you haven't owned property in Australia in the last 10 years. Previous ownership overseas doesn't count against you.
How often should I review my home loan?
Regularly: we review our clients' rates periodically, and you should also check whenever rates move or your circumstances change.
Will fixed rates go up again?
They may, if markets expect more hikes. They can also fall if expectations change. Nobody can say for certain.
When will my bank pass on the rise?
Most lenders announced changes within days, with effective dates in early to mid-October. Check your lender's website or app.
Book a time that suits you
Pick a phone or video appointment with a Finfident broker. Free and obligation-free.
Or request a call back
Straight answers from a broker
Rates & MarketRBA Lifts Rates to 4.60%: What the September 2026 Rise Means for You
The RBA raised the cash rate to 4.60% on 29 September 2026, its fourth rise this year. Here's what it means for your repayments and what to do now.
First Home BuyersThe 5% Deposit Scheme in 2026: Who Qualifies and How It Works
Buy your first home with a 5% deposit and no LMI. Here's who qualifies for the Australian Government 5% Deposit Scheme in 2026, the price caps and the catches.
RefinancingWhen Is the Right Time to Refinance Your Home Loan?
Six signs it's time to refinance your home loan, from your fixed rate ending to a rate gap of 0.30% or more. Plus when refinancing isn't worth it.
Home loan handbooks, written by brokers
First home buyers, refinancing, avoiding a declined loan, investing and LMI. Plain English, free to download.
What our clients say
Some of the lenders we compare for you