See your real repayment before you talk to a bank.
We compare more than 30 lenders to find the loan that actually fits you — then do the paperwork. No fee to you.
Repayment calculator
The bank shows you one rate. We show you the market.
A loan officer can only sell you their own product. We sit on your side of the table and shop the whole panel.
Faster yes
We match you to lenders likely to approve your situation, so you skip the knock-backs that dent your credit file.
Whole-of-market
Big four, mutuals, and specialist lenders — over 30 in total, compared on rate, fees and how they assess you.
No fee to you
The lender pays us when your loan settles. Our advice costs you nothing, and we say so up front if anything ever does.
Local to the ACT
We know Canberra's market, the government employee lending quirks, and the suburbs lenders treat cautiously.
Three steps, mostly done by us.
Tell us your situation
A 15-minute chat — income, deposit, what you're buying. Use the assessment form and we'll call you back.
We compare & recommend
We bring you the loans that fit, explain the trade-offs in plain English, and you pick the one you're happy with.
We handle settlement
Application, lender chasing, paperwork — we run it through to settlement and stay on for future rate reviews.
Compared across the lenders that matter
Real people, real keys.
★★★★★ "Did the whole refinance for us while we were juggling two kids and full-time jobs. Saved us $340 a month and we barely lifted a finger."
Find out what you can borrow — and at what rate.
- ✓A clear borrowing figure and the sharpest rate we can find for your situation.
- ✓No obligation, no credit check at this stage, no cost.
- ✓A real broker calls you back — usually the same business day.
By submitting you agree to be contacted about your enquiry. Your details are never sold.
A Linray Finance broker will call you on the number you gave us, usually within a few hours during business days.
The things people ask first.
Does it cost me anything?
No. In almost every case the lender pays the broker when your loan settles, so our service is free to you. If a product ever carries a fee, we tell you before you commit to anything.
How many lenders do you actually compare?
More than 30 — the big four, plus mutuals and specialist lenders. We match the structure to your situation rather than chasing the lowest headline rate, which often hides fees.
I'm self-employed. Can you still help?
Yes. We know which lenders take a sensible view of business and self-employed income, and how to present your numbers so you're assessed fairly.
Is my current rate still any good?
Probably worth a look. Lenders keep their best rates for new customers, so existing borrowers quietly drift onto higher ones. A free review tells you in minutes whether you're overpaying.