Your smart finance empire starts here.
Loan King shops 48 lenders to cut the rate on your home loan, fund your business, and find the yes where banks say no — low-doc income, thin files, and credit scores the banks won't touch.
Assumes P&I repayments and our panel-best owner-occupied rate of 5.59% p.a. Indicative only — your rate depends on your profile.
Get my exact rateBuilt for the loans banks make difficult.
One broker, four specialities. Pick your lane — we bring the panel.
If you've had your loan more than two years and never renegotiated, you're almost certainly paying your bank's best-profit rate, not their best rate. We benchmark your current loan against all 48 panel lenders, make them compete, and manage the switch and discharge paperwork end to end.
Start hereSelf-employed borrowers get punished by paperwork designed for employees. Low-doc flips it: prove your income with 6–12 months of bank statements, recent BAS, or an accountant's declaration — no two years of tax returns required. ABN one day old? GST-free trader? There are panel lenders for both.
Start hereWorking capital, equipment, expansion, or commercial property — through the trading entity or personally secured. We package the file the way credit managers actually want to see it, then run it across bank and non-bank panels for the sharpest structure, not just the headline rate.
Start herePaid defaults, unpaid defaults, hardship history, discharged bankruptcy (case by case), a thin file, or no file at all. Where the banks' automated scorecards stop, our specialist lenders start — a human reads what happened, when it ended, and what you've done since. We also map the fastest legitimate path back to a prime score.
Start hereSame loan. Smaller repayments.
Our panel's sharpest rates against the big-bank averages. Illustrative — your exact number is what the free check is for.
That's $0 a month — $0 over the term, on $500,000 over 30 years.
Indicative panel best vs published big-4 averages, owner-occupied variable P&I, LVR ≤ 80%. Your rate depends on profile and lender criteria. Comparison rate calculated on $150,000 over 25 years.
Three moves to a better deal.
Tell us the numbers
A 15-minute call or the 60-second form. Rough numbers are fine — we pull the exact figures later.
We fight for your rate
Your file goes to the lenders that suit it, and we make them bid. You see the shortlist side by side and choose.
Sign, settle, reign
We handle the paperwork, valuation and settlement — then a free rate check every year, so your empire never gets lazy.
Banks read the number. We read the story.
Drag the needle to your Equifax score — or your best guess — and see how much of our panel is still open to you.
A score of 0 usually means there's no file on you at all — new to Australia, young, or never borrowed. That's a different conversation, and we have it every week.
Real borrowers. Real savings.
Your empire, one conversation away.
Tell us what you need and a named broker calls you back — usually the same day, always in plain English.
Saturday by Appointment