Secure the right loan.
Faster. Smarter.
Loans that fit your situation — not the bank's.1Finance compares dozens of lenders to structure home, refinance, and car loans that actually fit your situation — not the bank's.
Finance, handled
properly.
At 1Finance, we're simplifying how Australians secure home loans. Using smart finance strategies, we decode your numbers to structure the right loan across every lender.
So you can move like a seasoned investor without needing a bank inside your head.
Structure first — not shortcuts.Thoughtful advice. Strategic structuring. Professional execution. We focus on structure first — not shortcuts.
Every loan type.
One broker.
Home Loans
From first-home buyers to upsizers and investors — we structure home loans that fit your real situation, not the bank's template.
- First home buyers
- Owner-occupiers
- Investment loans
Refinancing
We review your existing loan against the full market — often saving thousands a year in repayments and unlocking better terms.
- Rate reviews
- Debt consolidation
- Equity release
Car & Asset Finance
Vehicles, equipment, and business assets — financed properly across major banks and specialist lenders.
- Car finance
- Equipment loans
- Business assets
One broker for
every scenario.
"1 Finance is rewriting how Australians borrow — putting strategy before the sales pitch."
In a market where most brokers chase commission, 1 Finance has built its reputation on something rarer: getting the structure right the first time. Their team of senior advisers compares more than 50 lenders to engineer loans around real lives — not bank quotas.
With a 4.9-star client rating and over 1,000 loans assessed, the firm has become a quiet authority in Australian home finance — trusted by first-home buyers and seasoned investors alike.
Rates that make
the banks nervous.
RBA Cash Rate
0.00%
Home Loan
Owner-occupier, P&I
Sharpest variable rates we're securing right now
Refinance
Switch & save
Cashback & rate-match deals currently live
Car Loan
New & demo vehicles
Secured fixed rates for strong applicants
From application
to SOLD.
You & your broker
The right lender
Funds approved
Your new home
Same income.
More borrowing power.
Drag your income and see how a sharper rate lifts your borrowing power.In Australia, how much you can borrow comes down to your income and the rate it's assessed at. Drag your household income below and see how a sharper rate lifts your borrowing power — and lowers your repayments.
Household income (before tax)
$120,000/yr
Extra borrowing power with us
+$39,375
Or save on the same loan, every month
$277/mo
1 Finance
5.69% p.a.
$408,988
Typical big bank
6.84% p.a.
$369,613
Figures are indicative estimates for illustration only, based on a 30-year principal-and-interest loan, a standard serviceability buffer and the rates shown. They are not a quote, pre-approval or offer of credit and exclude fees. Borrowing power and rates depend on your individual circumstances — please consult one of our brokers for advice tailored to you.
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Partner banks
Australia's leading lenders
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Years experience
Across every market cycle
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Loan scenarios assessed
Home, refinance & asset finance
0.0/5
Customer rating
From 4,268 reviews
A data-driven approach
to every loan.
We model your scenario against dozens of lenders, weighing rates, structure and serviceability — so the option you get is the one the numbers actually support.
High-LVR loans.
Less deposit. No LMI.
We have access to lenders offering up to 95% LVR — and Lenders Mortgage Insurance waivers for eligible professionals like doctors, lawyers and accountants. That can save you tens of thousands upfront.
Check your eligibility95%
LVR available
Borrow more, deposit less
$0
LMI on select loans
Waived for eligible professions
5%
Deposit options
Get in the market sooner
Eligibility for high-LVR lending and LMI waivers is subject to lender criteria, profession, income and credit assessment. Terms, conditions and exclusions apply. This is general information only and not credit advice — your circumstances are specific, so consult one of our brokers before making a decision.
How 1Finance works.
Four clear steps — from your first conversation to the keys in your hand. No jargon, no surprises.
One broker, start to finish — and long after settlement.
Tell us your situation
Share your income, goals, and what you're trying to achieve — home, refinance, investment, or car. No obligation, no credit impact.
We assess the market
We compare major banks, non-banks, and specialist lenders to find options that actually fit your profile.
We structure & negotiate
Your application is packaged properly and presented to the right lenders to maximise approval and minimise cost.
You get approved
We manage the process from submission to settlement — and stay with you after, if things change.
The doors a single bank
can't open for you.
As a preferred partner to Australia's most respected lenders, we get sharper rates, faster answers, and access to policies designed to approve — not decline.
Bank-grade
Trusted, stable lenders
Established banks and respected non-banks with the track record to back your loan for the long term.
Direct line
Priority broker relationships
Your file reaches real assessors, not an automated queue — so decisions come faster and clearer.
Real-world
Policies that say yes
Lending built for genuine situations — self-employed income, variable hours, and lower deposits.
Connected to Australia's
leading lenders.
Lower repayments.
Faster approvals.
4.9
/5 · 4,268 reviews
"We honestly didn't think we'd secure something this year. Everything was explained clearly and handled step by step — far less overwhelming than we expected."
Noah Lim
Camberwell
Jan 14, 2026
"As first home buyers, we had no idea where to begin. Every question was answered patiently. It gave us the confidence to move forward without second guessing."
Grace Tan
Point Cook
Feb 3, 2026
"The process looked complicated at first. Once it was structured properly, it made sense and felt manageable. Glad we had guidance throughout."
Daniel Park
Clayton
Feb 22, 2026
"We were worried about timelines and approval chances. Everything was communicated clearly and expectations were realistic from the start."
Emily Carter
Tarneit
Mar 9, 2026
"It's a big financial commitment, so we didn't want to rush. The advice was straightforward and transparent, which made a big difference."
James Mitchell
Box Hill
Apr 6, 2026
"Buying a home felt like a huge step for our family. Having someone structure it properly and explain the options gave us real peace of mind."
Olivia Tran
Richmond
Apr 28, 2026
"1Finance represents the new standard in Australian broking — transparent, strategy-led, and genuinely on the borrower's side. It's the kind of advice the industry has needed for years."
Industry Commentary
Australian Financial Review
Driven by people.
Powered by purpose.
A team of finance specialists who understand that securing a loan is more than a transaction — it's a milestone.
Tell us your
situation.
No obligation. No impact on your credit score. Just straightforward advice and the right loan for you.
8 quick questions · no credit check · always free
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