Based Finance logo Based Finance
Mortgage Brokers Australia Wide

We make the home loan process easy

We compare 40+ lenders to find the right loan for your situation — not just the one with the lowest headline rate. We manage the whole process from application to settlement. No broker fees, ever.

40+
Lenders
100%
Transparent
$0
Broker Fees
ASIC Licensed
MFAA Member
No Broker Fees
What We Offer Mortgages handled end-to-end

How we can help you.

First home, next home, or fifth investment property — here's where we can make a difference.

Home Purchase
Loans

First home or upgrading — we compare lenders to find the right loan for your situation, not just the one with the lowest number.

Current rate 6.24%
We find better

Refinancing

Still on the rate your bank gave you years ago? We'll compare what's actually out there and tell you honestly if it's worth switching.

Avg annual saving $4,200

Investment
Loans

We structure investment loans with the long game in mind — right entity, right split, right lender. Built for portfolios that grow.

P1 P2 P3 +more

First Home
Buyer

We know every grant and scheme going — and we tell you straight what you qualify for, often before you've started looking.

Grants available Up to $30k

Not sure which option suits you?

Talk to a broker
How It Works

Here's How the Process Works

No runaround, no chasing lenders. We handle everything and keep you across every step — you make the calls.

Step 01

Free Discovery Call

A free 15-minute call to understand your goals. We ask the right questions so we can hit the ground running — no obligation, no jargon.

Free 15-min call No obligation
Discovery Call
Your name
|
What are you looking to do?
Preferred time
Call Confirmed
Thu 3 July · 10:00am AEST
Ready to assess your borrowing power Proceed to Step 02
Step 02

Borrowing Power Assessment

We compare 40+ lenders to find your maximum borrowing power and the right loan structure — not just the lowest headline rate.

40+ lenders Free borrowing report
Borrowing Assessment
Gross income
$110,000 / yr
Living expenses
$3,200 / mo
Existing debts
None
Deposit available
$95,000
Max borrowing power $0
Finance strategy locked in Proceed to Step 03
Step 03

Application Managed

We handle the paperwork, liaise directly with the lender, and keep you updated at every stage. No chasing required.

Paperwork handled Direct lender contact
Application Tracker
Payslips & income docs Pending
Bank statements (3 months) Pending
ID verification Pending
Purchase contract Pending
Submitted to Lender
Ref #BF-2025-0847 · Today at 2:14pm
Application lodged Proceed to Step 04
Step 04

Approval & Loan Structure

We negotiate the conditions, manage the valuation, and get your formal approval across the line. You'll know where things stand at every turn.

Valuation managed Formal approval
Loan Status
Application Submitted
Docs received by lender
Done
Credit Assessment
Lender reviewing your file
Reviewing
Conditional Approval
Subject to valuation
Conditional
Formal Approval
You're clear to proceed!
Approved ✓
Formally approved Proceed to Step 05
Step 05

Settlement & Beyond

We're there on settlement day to make sure everything crosses the line. Then we check in every six months to keep your rate sharp — long after the paperwork is done.

Settlement support 6-month rate checks
Settlement Tracker
Loan documents signed Pending
Final inspection complete Pending
Funds transferred Pending
Title transferred Pending
🎉
You're Settled!
Keys collected · 14 Aug 2025
6-Month Rate Review
Scheduled · Feb 2026
Latest Insights Tips & Guides

Finance Tips &
Market Updates

Actionable advice and the latest rates, straight from our brokers.

First Home Buyer 8 min read

The Complete First Home Buyer's Guide for 2026

Everything you need to know about buying your first home in Australia — from saving your deposit to getting the keys. Our step-by-step guide covers grants, schemes, and how to make the most of your borrowing capacity.

Read more →
Borrowing 6 min read

LMI Waivers for Professionals: The Real Deal Explained

If you're a doctor, lawyer, or accountant, some lenders will let you borrow above 80% without paying LMI. Here's how it actually works — and when it's worth using.

Read more →

Our panel of lenders includes

Free Assessment

What Can You Actually Borrow?

Tell us where you're at — we'll give you a straight answer on what you can borrow, which lenders suit your situation, and what it'll actually cost. No broker fees, ever.

We call back within one business day
Monday to Friday business hours — weekends when we can.
No broker fees — ever
We're paid a commission by the lender at settlement. You pay nothing.
Your Data is Secure
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Phone
0412 088 823
Email
Hours
Mon–Fri, 8am – 7pm
Locations
Australia Wide

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