Your home loan consierge

Get a home loan the smart way.

Our finance coaches will find the best loan for you, no matter what your situation; low deposit, split loan, construction, debt consolidation and more.

We compare thousands of loan options and show you three that could help you keep more of your hard-earned money where it belongs – in your wallet.

DIY, no upfront credit checks, up to $2000 cashback when you switch*


Discover your options

Instead of settling for your current bank, explore your options in 30 seconds. See what you could save.


We help you pick a winner

After the initial options, we’ll go deeper and help find the most suitable loan for you.

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Sit back and relax

We help put together your application and maximise your chances of getting approved.

its not about the money

What does it cost to use Nobrayner Finance?

Using Nobrayner Finance costs you nothing, because we’re paid directly from the bank if you get a loan through us. What we get paid varies. As an example, if you were to borrow $400,000 the lender would pay us $2,200 assuming a 0.55% commission. We believe in being fully transparent – so you can see exactly what we get paid from each bank.

Remember, using us doesn’t cost you anything extra, and you don’t pay a higher interest rate or any extra fees on the loan.

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Who are Nobrayner Finance?

We’re a fully independent (not owned by any bank) and transparent mortgage broker company who speak plain English. We combine smart tech and smarter people to help you find and get a home loan that works hardest for you.

What's that?

LVR, LMI, Comparison rate, interest only, conveyancing and more! When we were researching our home loan options, we kept seeing all this jargon everywhere. Everyone else seemed to know what LMI meant but we…erm.. weren’t so clear. We’ve created a whole page for people like us that like their answers without a side of gobbledygook.

Absolutely not. When you use a broker to apply for your loan, you can often get better rates than what you could by going directly to your bank. First, we’ll show you the lowest rates from over 25 lenders, then we get some info, do lots more research, and find the one best option. Finally, we’ll negotiate with the bank to get you an even better rate, if possible. Our service costs you nothing and often you’ll end up paying a lot less than nothing – by going with a different bank, or paying a lower rate, or both!

LMI stands for Lender’s Mortgage Insurance. This protects the bank in case you default on your home loan. This is an additional charge, typically if your deposit is less than 20% of the purchase price. If you want to buy a property for $500,000 and have $50,000 (10%) saved for a deposit, the bank may charge you LMI. LMI is a once-off payment, and can often be added to your loan amount.

LVR stands for Loan to Value Ratio. The amount of money that a bank will lend you based on how much the property is worth. For example, an 80% LVR means the bank is willing to lend up to 80% of what the property is worth. If you’re buying a property for $500,000, an 80% LVR loan is $400,000. In this example, you would need to have $100,000 (20% of $500,000) saved up for a deposit.

Still have questions?

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Got a loan already?

Maybe we can help you get a better one which has more of what you want and less of what you don’t. More flexibility, better rate, offset account, more dollars in your wallet, or all of the above? Can’t hurt to explore your options.

See three home loan options in 30 seconds.

We’ll show you four options that match your criteria, without asking for your contact details, from all the big banks and smaller lenders that matter.

This won’t ding your credit file.