Mortgage broker · Australia-wide
Let the banks compete for you
Refinancing, buying your first home or borrowing as a business owner? We compare home loans across our lender panel and guide you through with wisdom and care.
- No cost for the chat
- No obligation
- Plain-English advice
Welcome to Homewise Lending
Your partner for life's big moves, wherever you live
Homewise Lending Australia is a mortgage broker helping people in every state and territory, by phone and video call. A home loan is one of the biggest commitments most people make, so we take the time to understand your situation before we talk about lenders. Then we do the comparing, the paperwork and the chasing for you.
We can help you get started
Which one sounds most like you?
Refinance & consolidate debt
If it's been a while since your loan was reviewed, you could be paying more than you need to. We compare options across our lender panel and do the legwork.
Learn moreFirst home buyers
Deposits, government schemes, stamp duty, pre-approval. We explain each step in plain English and help you work out what may be possible.
Learn moreSelf-employed loans
Your income doesn't fit a payslip, and that's fine. Full doc, low doc, company and trust structures: we know which lenders look at what.
Learn moreHow it works
Three simple steps
- 1
Have a 15-minute chat
Tell us where you're at and what you'd like to achieve. No paperwork, no cost, no obligation.
- 2
We compare for you
We look across the lenders on our panel and come back with options that suit your situation, explained clearly.
- 3
We handle the process
From application to settlement we manage the paperwork and keep you updated, so you always know what happens next.
Current offer
Refinance cashback from $500 to $2,000
Eligible refinances settled through Homewise Lending may receive a cashback of between $500 and $2,000. The amount depends on your loan size and lender, and is paid after settlement.
T&Cs apply. Subject to lender criteria and approval. Not available on all loans. Read the cashback terms.
Why Homewise
Wisdom and care, not a hard sell
We'd rather you understand your options and make a confident decision than rush into a loan that doesn't suit you.
Meet your brokerBanks compete, you choose
One conversation with us instead of several with different banks. We put the options side by side so you can decide.
Plain English, always
No jargon and no pressure. If something isn't right for you, we'll say so.
Personal, wherever you are
You deal with the same broker from first chat to settlement, and for reviews after that.
Your interests first
Mortgage brokers have a legal duty to act in your best interests. It's also simply how we like to work.
Could you be paying too much on your home loan?
A quick review costs nothing and shows you where you stand. If your current loan is already competitive, we'll tell you that too.
FAQ
Frequently asked questions
Why use a mortgage broker instead of going to my bank?
Your bank can only offer its own loans. A broker can compare loans from a panel of lenders and must act in your best interests when recommending one. We also handle the application and follow it through to settlement.
What does it cost to use Homewise Lending?
For most standard home loans we don't charge you a fee. We're paid a commission by the lender when your loan settles. We'll tell you exactly how we're paid, in writing, before you go ahead. Details are in our Credit Guide.
What happens in the free 15-minute chat?
We ask about your situation and goals, answer your questions and outline what your options could look like. There's no obligation to go any further.
Will talking to you affect my credit score?
No. A first conversation doesn't involve a credit check. A credit enquiry is only made when you choose to apply with a lender, and we'll always ask you first.
What is Lenders Mortgage Insurance (LMI)?
LMI protects the lender, not you, if a loan is not repaid. It usually applies when your deposit is under 20% of the property price. Some government schemes and lender policies may let eligible buyers avoid it.
Get in touch
Let's talk about your plans
Send a few details and we'll call you back, or pick a time that suits you for a free 15-minute chat.