Smarter rates for smarter borrowers

Finally, a home loan that puts you ahead, not behind

5.93%variable Rate*

6.13%Comparison Rate*

What do you want to do?

Find a solution for every problem

Start from 4.85%

Refinance

Save thousands every year by switching to a smarter home loan.
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First home buyer loans

First Home

Buy your first property up to $1.5M with just a 5% deposit*

Are you a

Doctor?

A medical pro, lawyer, or accountant? Get 95% LVR, $0 LMI, & exclusive perks.

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Business
Loan

Get funded by literally tomorrow!

Enter the market with a

5% Deposit

All you need is a 5% deposit to enter the market now!

Car Loan

Fast approval, flexible terms, and smart car finance options.

The top 25 loan terms every borrower needs

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Most Australians enter the lending world blind – and honestly the banks love it. We created this Ultimate Guide to fix that. Here’s what you’ll get inside:
Hidden “ghost fees” exposed and eliminated
Strategic blueprints to cut years off your debt
No jargon. No fluff. Just clarity
Walk into your home loan, confident, and impossible to push around. Let us help you kickstart your journey.
Use #1 industry tools for free

The best solutions for every problem

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How much will my repayments be?

Estimate your monthly repayments accurately and instantly
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How much stamp duty will I pay?
Calculate stamp duty for your state or territory in seconds
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How much money can I borrow?
Find out your borrowing power in just two minutes
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Check my credit score (5 minutes)
Quick, secure check of your credit score in 5 minutes
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Free 30 minute loan strategy session
Get a free 30-minute premium loan strategy session
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Get a property valuation now
Prepare for the property you want with absolute confidence

We compare all the banks, so you don’t have to

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We compare over 60 of the best lenders
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Scan through over 260 loan options 
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Take zero hidden fees, as it should be*
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And present the 3 best loan options, for you
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Don’t worry, we got your back every step of the way

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Contact us to discuss your questions with a real human

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Testimonials

This is why you should let us handle your business finance

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Morteza Rayati profile picture
Morteza Rayati
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I had a very good experience with Loanity and definitely recommend them. One thing I really like about Loanity is that they help you actually understand the whole loan process, rather than just telling you what to do. Their website also has several useful tools and information that you can use even before becoming their client, which I found very helpful when trying to understand my options. A special thanks to Kourosh. He genuinely puts time and effort into answering your questions and making sure you understand everything properly. Whenever I had questions, he took the time to explain things clearly and go through the different options with me, rather than just giving a quick answer. For me, this level of transparency, education and support makes a big difference. You feel that you are involved in the process and understand what is happening, rather than just handing everything over to a broker. Really appreciate Kourosh and the Loanity team for their time, effort and professional service. Highly recommended.
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mojgan profile picture
mojgan
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I had great experience,They are very knowledgeable and professional through all the process,Highly recommend . Thank you so much 😊
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Siavash Farhadi profile picture
Siavash Farhadi
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Working with Kourosh and his team on my unsecured personal loan for debt consolidation was a seamless experience from start to finish. As a top-tier finance broker, Kourosh took care of the entire loan comparison process to deliver a truly tailored financial solution aligned with my budget. His communication was prompt, the application process was hassle-free, and the quick turnaround time led to a fast approval with no hidden fees. Even after comparing options with multiple brokers, Kourosh secured the most competitive low interest rate and flexible repayment terms on the market. For anyone in need of expert financial advice and reliable service, I highly recommend Kourosh and his team
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Arezo Valandizi profile picture
Arezo Valandizi
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I’m very grateful to Kourosh and the Lonity team for all their help, advice, and support throughout my home loan journey. Kourosh has been incredibly patient, professional, and supportive. He always takes the time to explain everything clearly, answer all my questions, and guide me through every step of the process. His advice has given me confidence and made the whole experience much easier and less stressful. I truly appreciate all the time and effort Kourosh has put into helping me achieve my goal of buying my own home. I highly recommend Kourosh and the Lonity team to anyone looking for a knowledgeable, trustworthy, and genuinely supportive mortgage broker. Thank you so much, Kourosh, for all your help and support.
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Sheema profile picture
Sheema
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We had a fantastic experience working with Kourosh Tabandeh. He went above and beyond to help us increase our borrowing capacity for our home purchase, and we are truly grateful for all his support. Kourosh is extremely professional, knowledgeable, caring, and dedicated. He was always available to answer our questions, followed up on everything carefully, and genuinely did his best to achieve the best possible outcome for us. Buying a home can be a stressful process, but having Kourosh by our side made a huge difference. We really appreciated his patience, persistence, and the genuine care he showed throughout the whole process. We highly recommend Kourosh to anyone looking for a trustworthy, professional, and supportive mortgage broker. Thank you so much, Kourosh, for everything you did for us!
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Hassan Khaleghi Sohi profile picture
Hassan Khaleghi Sohi
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Excellent service and a very professional experience. I had a phone consultation regarding my finance and refinancing options, and I was very impressed with the consultant’s knowledge, professionalism and helpful advice. Everything was explained clearly and I never felt pressured. Highly recommended for anyone looking for professional and reliable financial services.
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hadi yousefi profile picture
hadi yousefi
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Excellent service from Loanity! Professional, knowledgeable, and always available when needed. They made the whole loan process smooth and stress-free, and went above and beyond to get the best outcome for me. Highly recommend Loanity to anyone looking for a reliable and trustworthy mortgage broker. Fantastic service!
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Buff Ryder profile picture
Buff Ryder
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⭐⭐⭐⭐⭐ I couldn’t be happier with the service I received from Kia. Refinancing can feel like a complicated and stressful process, but Kia made everything so easy from start to finish. Kia was always friendly, approachable and happy to answer any questions I had. They took the time to understand what I was looking for, explained everything clearly, and kept me updated throughout the whole process. What really stood out was how much Kia genuinely cared about getting the best outcome for me. They went above and beyond, and I always felt like I was in good hands. I’m very grateful for all Kia’s help and would happily recommend Kia to my family and friends. Thank you, Kia, for making the refinancing process such a smooth and positive experience! Ps: He is really hard working as well.
Still got questions?

Answer to your questions

Am I eligible to apply for a home loan with Loanity?

Eligibility depends on your situation, but most Australians qualify if they have a stable income, a good credit history, and meet basic lending requirements. We’ll assess your borrowing power, deposit size, income type (PAYG or self-employed), and overall financial position to help you understand exactly where you stand. Find out about your elidgibility through a free consultation session.

Yes. Many first-home buyers enter the market with as little as 5% deposit. We’ll guide you through low-deposit home loan options, government schemes, and whether you qualify for LMI waivers, grants, or lender incentives to help you buy sooner.

Unlike a bank that offers only its own products, a brokre compares multiple lenders to find better rates, clearer terms, and more flexible loan options. Our job is to negotiate for you, explain everything in simple language, and help you choose the loan that suits your goals — not the bank’s.

Nope! Our home loan and refinance services come at no cost to you. We’re paid by the lender when the loan settles, so you get expert support, comparisons, and personalised advice without paying a cent in broker fees*.

*Read more about our refundable engagement fee here

We make the process simple. After a quick assessment of your situation, we compare lenders, explain your options, help you get pre-approved, and manage the entire application from start to finish. You’ll always know what’s happening and what comes next.

We absolutely can! We work with lenders who specialise in self-employed and contractor income. Whether you have tax returns, BAS statements, or alternative documentation, we’ll help structure your application so you’re in the strongest possible position.

Find out more here.

Interest rates depend on your lender, credit score, income, deposit size, and loan type. We compare a wide range of lenders daily to help you secure competitive home loan rates and show you how refinancing could save you money.

Certainly – many lenders offer special home loan benefits for certain professionals, including 95% LVR, $0 LMI, priority assessment and discounted interest rates. We can check whether you qualify instantly. 

Read this list to see whether your occupation qualifies.

Alongside home loans, we also assist with business loans, car finance, commercial lending, and equipment finance. We compare flexible loan structures, repayment options, and approval times to help you secure finance quickly.

Getting started is easy. Book a free 30-minute consultation, and we’ll review your goals, check your borrowing power, compare lenders, and outline your best options. You can also request a call or complete our quick online assessment, and we’ll guide you step-by-step whether you’re buying, refinancing, or investing.

Stop waiting.
Just do it now.

No fees. No obligation. A free consult and handy resources. No strings attached.