Based Finance logo Based Finance
Mortgage Brokers — Australia Wide

We make the home loan process easy

We compare 60+ 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.

60+
Lenders
100%
Transparent
$0
Broker Fees
ASIC Licensed
MFAA Member
No Broker Fees
What We Offer

How We Can Help

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

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.

  • Variable & fixed rates
  • Offset accounts
  • Redraw facilities

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.

  • Rate comparison
  • Equity access
  • Debt consolidation

Investment Property Loans

We structure investment loans with the long game in mind — right entity, right split, right lender. Built for properties two, three, and beyond.

  • Interest-only options
  • Portfolio structuring
  • SMSF loans

Debt Consolidation

We look at the full picture and tell you honestly whether consolidating makes sense — and if it does, find the right structure to do it.

  • Lower overall rate
  • Single repayment
  • Improved cash flow

First Home Buyer

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

  • FHOG & FHSS guidance
  • LMI waiver options
  • Government schemes

Business & Commercial

From business premises to equipment finance, we help business owners find the right commercial funding — without the runaround.

  • Commercial property
  • Equipment finance
  • Business overdraft

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 do the work and keep you across every step — you make the calls.

01

Tell Us Your Situation

Fill in a short form and we'll call you back within one business day. No pressure — just a straight conversation about where you're at.

02

We Search the Market

We compare 60+ lenders against your situation and come back with the right fit — not just the lowest rate, but the right structure.

03

We Manage Your Application

We handle the paperwork and deal with the lender directly. You'll know exactly where things are at — without needing to chase anyone.

04

Settlement & Beyond

We're there on settlement day — and we check in every six months to make sure your rate is still competitive.

Latest Insights

Finance Tips & Market Updates

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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.
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Phone
0412 088 823
Email
Hours
Mon–Fri, 8am – 7pm
Locations
Australia Wide

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MORTGAGE INSIGHTS

What Your Bank Won't Tell You

Rate moves, property strategy, and market reality checks — straight to your inbox.

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