Home loans, tailored to you — at no cost.
We compare lenders, build a loan around your situation, and keep watching the market after you settle.
What we do
We help you apply for a home loan, compare rates across our lender panel, and put together a loan that fits your circumstances — for a purchase, a refinance or an investment property.
Free for you. Transparent about what we’re paid.
Using Ezlend costs you nothing extra — just like applying at the bank or online yourself. Lenders pay us a commission, and we tell you the amount and the conditions before you proceed. Under the Best Interests Duty, we’re required to recommend the loan that genuinely suits your situation.
See our commission disclosure →Ezlend vs going it alone
Your time
- With Ezlend
- Call or email and a broker calls you back promptly; evenings and weekends available
- Going to a bank branch
- Book an appointment at a branch
- Applying online
- Any time, but no one to help
Comparing rates
- With Ezlend
- A first comparison on our first call
- Going to a bank branch
- One bank at a time
- Applying online
- One lender’s products
Documents
- With Ezlend
- We show you where to download each document, and can prepare them with you face to face
- Going to a bank branch
- Work it out yourself
- Applying online
- A checklist by email
After settlement
- With Ezlend
- We keep watching the market and tell you when a refinance is worth looking at
- Going to a bank branch
- They won’t tell you when another lender is cheaper
- Applying online
- Same
Loan types
- Purchase
- Buying your next home — pre-approval, a clear borrowing figure, and a loan structured for how you’ll use it.
- Refinance
- Moving to a sharper rate or a better-fitting product, consolidating debt, or releasing equity.
- Investment loans
- Buying or restructuring investment property, including portfolios across more than one lender.
- First home buyers
- What you can borrow, which government schemes and grants may apply, and each step to settlement.
Also: construction · equity release · bridging · commercial property · SMSF lending
Full-doc and alt-doc (also called low-doc), depending on what documentation you have.
Bridging on a deadline of days rather than weeks is often better done as short-term private funding — see private funding →
Self-employed or non-standard income
Why the bank said no — and why that’s not the end of it
- Your ABN is too new.
- Most banks want two years. Several lenders will work with one, and a few will look at less with the right structure.
- Your last return doesn’t reflect this year.
- Business income moves. Some lenders will assess on your most recent year rather than averaging two.
- Your accountant did their job too well.
- Depreciation, one-off expenses, superannuation contributions, interest on business debt — these reduce your taxable income, but they don’t reduce what you can actually afford. Lenders that allow add-backs will count them. Not all do, and they don’t all count the same ones.
- Your returns aren’t lodged yet.
- Alt-doc lending (low-doc) uses BAS statements, an accountant’s declaration or business bank statements instead of tax returns.
- Your income comes from several places.
- Contract work, company profits, trust distributions, rental income — assessed differently by every lender.
Who we do this for
- Sole traders and contractors
- Tradies, consultants, IT contractors, allied health, transport.
- Company and trust structures
- Where income sits across entities and needs to be read as a whole.
- Business owners
- Where the business and the borrowing need to work together.
- Investors
- Portfolio structuring, equity release, multiple securities across lenders.
How much can I borrow?
If you’re self-employed, no online calculator can answer this honestly. Your borrowing power depends on add-backs, depreciation and one-off expenses that automated tools don’t count — and every lender treats them differently. The same application can vary by hundreds of thousands between lenders.
That’s a 15-minute conversation, not a slider.
Situations we’ve handled
Self-employed consultant, ABN under two years
Declined by two major banks on the basis that the business was too new. Refinanced through a lender that assesses one year of returns, with add-backs applied. Owner-occupied purchase settled ahead of the contract date.
Investor releasing equity across multiple securities
Existing lending spread across two banks limited further borrowing. Restructured across lenders to release equity and fund a third purchase, without cross-collateralising the whole portfolio.
Business owner with returns not yet lodged
The most recent financial year wasn’t finalised, which stopped a bank application outright. Alt-doc application using BAS statements and an accountant’s declaration. Settled without waiting for lodgement.
Based on real client files. Details changed and identifying information removed. Every application is assessed on its own circumstances — past outcomes don’t indicate what any lender will approve for you.
How it works, step by step
1 · Understand & plan
- 1
Phone call with an Ezlend broker
Tell us what you’re trying to do. We’ll tell you what’s likely to work.
You receive our Credit Guide and Privacy Consent
- 2
Face-to-face or online interview
Meet at any of 20+ Waterman workspaces across Melbourne, or online.
- 3
Send documents
We tell you where to download each one, and can walk you through it.
- 4
Broker analysis & customised loan solution
We compare lenders and build the loan around your situation.
Options within 48 hours
- 5
You agree to the proposal and sign
Your proposal shows the commission we’ll receive.
2 · Apply & approve
Ezlend prepares your application
- 6
Review and e-sign your application
- 7
Submitted to lender
Weekly updates
- 8
Approval
3 · Settle & support
- 9
Sign loan documents and open your bank account
- 10
Settlement
- 11
Post-settlement support
Questions after settlement? Your broker is still here.
What we’ll need to start
- If you’re self-employed
- Your last one or two tax returns and financials, or BAS statements if returns aren’t lodged yet. ABN and GST registration details.
- If you’re employed
- Recent payslips and a bank statement.
- Everyone
- ID, and a rough idea of the property or price range you’re looking at.
Don’t have all of it? Call anyway — we’ll tell you what actually matters for your situation.
Today’s best loan won’t always stay the best.
Rates and products change constantly — we receive lender updates every day. After you settle, we review your loan regularly and let you know when a refinance could save you money. Saving you money is the point.
Work out the numbers yourself
Free, no sign-up.
General information only. Not credit assistance. Lending criteria, fees and eligibility apply and vary between lenders.