Home, commercial, developer or SMSF — tell us about the place, the timing, and the goal. We come back with a structure, a lender, and a number you can plan around — usually inside 48 hours.
Best of panel · variable
5.94 % p.a.
Pricing…5.94 % p.a.
Comparison rateWARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate based on a loan amount of $150,000 over a loan term of 25 years.
$715,000
Loan amount$4,581/mo
Est. repayment2 min · no credit check · no spam
Today on the panel
Best home loan
Specialist lender
Low Rate Essentials
Redraw
· Updated 38 min ago
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate based on a loan amount of $150,000 over a loan term of 25 years.
Commercial
Specialist lender
Lease-doc / full-doc
· Indicative · typical rates ±50bps
SMSF Refinance
Non-bank lender
Limited-recourse
· Indicative · typical rates ±30bps
What we do
For where you'll live
First home, upgrade, refinance, bridging. PAYG to self-employed, simple to complex.
From
5.94% p.a.
Comparison
5.94% p.a.
owner-occupier variable · live
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate based on a loan amount of $150,000 over a loan term of 25 years.
For where you'll grow
Interest-only, offset, redraw, P&I — the structure is more valuable than the rate. We model the cashflow, set the loan up so the next property is easier to write, and price across the panel.
From
6.14% p.a.
Comparison
6.14% p.a.
Investment variable · live
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate based on a loan amount of $150,000 over a loan term of 25 years.
For where you'll work
Owner-occupier or investment premises. Lease-doc and full-doc options.
From
6.94% p.a.
Commercial · indicative
For what you'll build
Secure the site, build the project, and pay out residual stock — senior debt and private lending for developers, drawn against QS reports.
From
Indicative
Senior debt · priced per project
For your super fund
Limited recourse borrowing for commercial holdings within an SMSF — residential borrowing closes 10 August 2026.
From
6.69% p.a.
SMSF · indicative
For the loan you have
Twice-yearly rate reviews — we renegotiate with your lender twice a year and secure reductions without you lifting a finger.
From
Included
No fee · ongoing
Rates last refreshed 8 July, 02:00 am · indicative rate basis: owner-occupier · $500,000 loan · $800,000 property · 62.5% LVR · 25-year term
How it works
First call → keys
3–6 weeks
Standard PAYG file under contract
01
Day 0
A 15-minute call
Tell us about the place, the timing, the goal. No forms, no commitment, no soft credit check. By the end of the call you'll know whether we're the right fit and what the next two weeks look like.
02
Day 1–3
Qualify
We review your position — with or without income docs and debt verification — to confirm if you'll qualify to move forward, and calculate your benefit of proceeding.
03
Day 4–7
Lender choice
Detailed workshops and demos to refine down to three to five lenders chosen for you, presented thoroughly in writing — loan splits, offset, fixed-vs-variable mix, repayment type. You choose. We don't lodge until you're certain.
04
Day 8–14
Lodgement
Sometimes it's the story that sells, not the raw data. A broker is a problem solver and, with experience, knows how to solve problems before they come up.
05
Day 15–32
Approval & settlement
We coordinate with your solicitor, the lender and the agent through valuation, formal approval, document signing and settlement. We hold everyone's hand — making sure all stakeholders do their part — til you get the keys in your hand.
06
Ongoing
Got your back — long term
Twice-yearly rate reviews for the life of the loan. We renegotiate with your lender twice a year and secure reductions without you lifting a finger — and only move you if it's genuinely worth it.
Numbers without the email opt-in
Repayments, borrowing power, stamp duty (QLD/NSW/VIC/ACT), LMI. The same calculation engines we use on every file — yours to take to any broker.
Real reviews
“Adam and the team are absolute legends, we have returned many times and will continue to work with them as we grow. Communication and trust is perfect and it's never ‘no it can't be done’, it's a ‘let me do some digging and see what can come up with to make it happen for you’. I would recommend Exactly loans to anyone!”
Thomas Anderson
Google · Verified review
“Adam and the team at Exactly Loans were outstanding from start to finish. Clear communication, professional advice, and minimal stress throughout the process. They moved quickly, kept my partner and I informed at every step, and secured a great result. Highly recommend if you want a broker who genuinely knows their stuff and delivers for their clients.”
Christopher O'Donnell
Google · Verified review
“My third property purchase with the help of Adam, Cedric and the team at Exactly Loans has been stress-free and easy. The team are extremely prompt, professional and clear in their communication. The experience and knowledge they have in this industry is what makes this process an enjoyable one. I can't recommend them enough and I will continue to use them for any future purchases.”
Tim Cameron
Google · Verified review
“Their communication was excellent—they kept me informed every step of the way and made what could have been a stressful process feel simple.”
Michelle N
ProductReview · ACT · Verified review
“Adam and his team were exceptional to deal with and exceeded all expectations in every way. The communication and updates we received throughout the process was above and beyond. Highly recommend!”
Amanda Stevens
Google · Verified review
“We recently re-engaged with the Exactly Loans team to refinance our mortgage, and once again had such a positive experience with Adam and his team. Everyone on the team goes above and beyond to be helpful, and their level of communication and professionalism is outstanding. Adam and his team were able to help us reduce our payments significantly, and took time to make sure we understood all of our options every step of the way.”
Olivia Marotta
Google · Verified review
“Adam and his team helped me refinance my home loan and purchase my second investment. I am grateful for the time and dedication they took to help me secure my loans. They were informative, persistent and above and beyond professional. I highly recommend. Can't wait to work with you again in the future.”
Kay Green
Google · Verified review
“Adam's professionalism, deep knowledge, and attentive communication made the entire mortgage process smooth and stress-free.”
Kyle Roberts
ProductReview · VIC · Verified review
“Adam and his team were absolutely amazing throughout the entire mortgage refinancing process. They kept us informed every step of the way, were always available to speak to, and were approachable and down-to-earth. Being based in Melbourne was never an issue — we easily conducted all meetings, catch-ups, and discussions via Zoom and phone calls.”
Amanda
Google · Verified review
“They explained everything in detail and worked so hard to keep me going. I'm finally in my dream home.”
Melanie G.
ProductReview · VIC · Verified review
“It was a pleasure to work with the professionals from Exactly Loans! Adam was our broker, and we cannot express our gratitude in words. We are a family of 5 trying to find a house to call our home. It took us some time to complete our goal, but Adam and his team was behind us and guiding every step of the way.”
Deepana Kathushe
Google · Verified review
“We would like to thank Adam and his team for guiding us through the minefield of home loans and lending options. There were a few structural changes along the way and we felt like we were inconveniencing the guys, however, it never came across that way from Adam and he was only too happy to help, adapt quickly and change things around to suit our needs.”
Amanda Rowland
Google · Verified review
Questions we hear most weeks
Take it to a broker
You’ll get a phone call, not a form-reply email. We read every file ourselves — usually within 4 business hours.