Borrowing made easy
Over 75% of home loans are written with the help of a mortgage broker. Contact us to see how we can help you.
Discover Our Services
About Equate Finance
At Equate Finance, our mission is to help individuals, businesses, and self-managed super funds achieve their property ownership and wealth creation goals through tailored finance solutions.
About Equate Finance
At Equate Finance, our mission is to help individuals, businesses, and self-managed super funds achieve their property ownership and wealth creation goals through tailored finance solutions.
FAQs
Equate Finance has access to one of the largest panel of lenders in the country.
We work for you and arrange solutions that enable you finance everything from residential and commercial properties to property development, business and asset finance.
We have deep technical knowledge of finance, developed over decades of working in financial services across banking, insurance and alternative funding solutions.
We pride oursleves on delivering the best solutions and delighting our clients.
What does a mortgage broker do?
A mortgage broker works on your behalf to find and arrange a suitable loan from a wide range of lenders. We assess your financial situation, recommend appropriate options, and manage the entire process—from application to settlement—saving you time, stress, and potentially money.
How are you paid for your services?
For most residential home loans, we’re paid a commission by the lender, meaning our services come at no cost to you. If any fees apply—for example, for complex or commercial lending—we’ll always be transparent and upfront.
How is using a broker different from going directly to a bank?
Banks can only offer their own products. As brokers, we have access to a broad panel of lenders—major banks, mutual banks, non-bank lenders, and specialist providers—so we can help you compare and choose the loan that best suits your needs.
Will using a broker affect my credit score?
No, not when we assess your position. We use tools that don’t impact your credit file. A formal loan application will register an enquiry on your credit report, but we’ll guide you through the process to ensure your application is well-prepared and timed appropriately.
How long does the loan process take?
It depends on the loan type and lender. A standard home loan may be approved within a few days, while more complex loans—like SMSF or commercial finance—can take longer. We’ll manage the process and keep you informed at every step.
Can you help with more than just home loans?
Yes. In addition to residential lending, we assist with investment loans, construction finance, refinancing, debt consolidation, business loans, commercial property finance, vehicle and equipment finance, and SMSF loans.
Do I need a deposit to get a home loan?
Most lenders require a minimum deposit of 5% to 20% of the property value, though some low-deposit and guarantor loan options may be available. We’ll help you understand what’s possible based on your circumstances.
How much can I borrow?
Your borrowing capacity depends on your income, living expenses, debts, dependents, and financial goals. We’ll conduct a detailed assessment and give you a clear picture before you begin your property search or loan application.
What documents do I need to apply for a loan?
You’ll typically need proof of identity, income (like payslips or tax returns), assets and liabilities, and information about the property or asset being financed. We’ll provide a tailored checklist to make the process as smooth as possible.
Do you provide support after my loan is approved?
Yes. We stay in touch to make sure your loan remains competitive and continues to meet your needs. We’re also here to help if your circumstances change or you want to explore refinancing or restructuring your loan in the future.
Are there any government schemes that can help me buy a home?
Yes, there are several government initiatives for eligible buyers, including low-deposit schemes, first home buyer grants, and stamp duty concessions. We’ll help you understand your eligibility and guide you through the application process.