Compare home loans, personal loans and equipment finance in one enquiry.
As finance brokers, we look across the major banks, second-tier lenders and specialist funders, then come back with a shortlist that suits your situation — usually within one business day. No cost, no obligation.
- No cost to compare
- Banks and non-bank lenders
- Response within one business day
Four kinds of finance, one enquiry
Start with the product that matches what you're trying to do. Each one has its own pages explaining rates, terms, documents and the situations it suits.
Home loans
Purchases, first homes, investment property, construction and equity — compared across every lender tier.
Personal loans
Debt consolidation, medical bills, weddings, travel and car finance — secured and unsecured.
Asset & equipment finance
Machines, vehicles, medical and hospitality equipment — the asset is the security, so approval is fast.
Business finance
Commercial property, working capital, bridging and growth funding for established Australian businesses.
Three steps, no paperwork until you're ready
Tell us what you need
A purchase, a refinance, a vehicle, a machine, a personal expense. Two minutes of detail is enough to start.
We shortlist the lenders
We compare the major banks, second-tier banks and specialist non-bank funders, then explain the trade-offs in plain English.
You choose and we run it
Pick an option and we handle application, valuation, conditions and settlement. Comparing costs you nothing.
Estimate your home loan repayment
Model a purchase or construction repayment. Most Australian home loans are principal & interest over 25–30 years — switch to interest-only to see the difference.
- • Loan amounts from $50,000 to $3 million
- • Indicative rates typically 5.5%–7% p.a. for owner-occupied
- • Terms of 15–30 years, principal & interest or interest-only
Repayment estimate
Important: This estimate is illustrative only. It assumes the selected rate remains unchanged for the whole term and excludes establishment, valuation, legal, monthly, discharge, early-settlement and exit fees. It is not a quote, an offer of credit, credit assistance or financial advice. Envision Finance is a finance comparison and referral service — we are not a lender or a credit provider. Actual rates, approvals and structures depend on your circumstances, the security offered and each lender's credit assessment.
How loan repayments are calculated
A principal & interest repayment is calculated from the amount borrowed, the monthly interest rate and the number of payments, so that the balance reaches zero at the end of the term. An interest-only repayment is simply the borrowed amount multiplied by the monthly rate — the principal is repaid later, usually by refinancing or selling.
Because the calculation assumes a fixed rate, a variable-rate loan will move away from this estimate whenever the rate changes. Use the figures as a planning tool, then confirm the real rate, fees and repayment type in the lender's credit proposal before you apply.
Understand the finance before you apply
Credit reports explained
A credit report is a record held by credit reporting bodies that shows your credit history, including applications, accounts, repayment conduct and any defaults. Understanding what's on it and correcting errors promptly can help you present the strongest possible position when applying for finance.
How business finance is priced
Lenders typically price business finance based on the perceived risk of the borrower, the strength of any security offered, covenant conditions and the loan term. Businesses that present strong financials, reliable cash flow and solid security are generally viewed as lower risk, which can influence the terms offered.
What is a home loan
A home loan is a sum of money borrowed from a lender, secured against a property, that you repay over an agreed term with interest. The lender holds a mortgage over the property as security until the loan is fully repaid.
Fixed vs variable rates
A fixed rate home loan locks in your interest rate for a set period, giving repayment certainty but typically limiting flexibility and extra repayments. A variable rate moves with the market, offering more flexibility and features but less certainty over what repayments will look like in future.
What is an offset account
An offset account is a savings or transaction account linked to your home loan, where the balance is used to reduce the loan amount that interest is calculated on. The more you keep in the offset account, the less interest typically accrues on the loan, without reducing your access to those funds.
Redraw vs offset
A redraw facility allows you to access extra repayments you've made above the minimum required amount on your home loan. It differs from an offset account because the extra money is paid directly into the loan itself, rather than sitting in a separate linked account.
Finance comparison, Australia-wide
Most of the process runs by phone, email and online upload — but local knowledge still matters for valuations, strata policies and which lenders are active where.
Latest finance articles
Frequently asked questions
What does Envision Finance actually do?
We compare and arrange finance. You tell us what you need, we shortlist suitable lenders across banks and non-bank funders, and we help you apply. The loan itself comes from the lender you choose — we are not a bank and we don't lend our own money.
Does it cost anything to use Envision Finance?
Comparing lenders and getting a shortlist costs you nothing. If you proceed, your lender pays us a commission, which is the same whichever lender you choose, so our recommendation isn't steered by payout.
Do you only work with people with good credit?
No. Different lenders have different credit policies, which is exactly why comparison matters. We look for the lender whose policy fits your situation, and we'll tell you honestly when nothing is likely to approve.
How many lenders do you compare?
We look across three tiers — the major banks, second-tier banks and credit unions, and specialist non-bank and asset financiers. The right mix depends on what you're borrowing for.
Can you help if I'm refinancing from another bank?
Yes. We model the true saving after discharge, break and establishment costs, then manage the whole switch including discharging your existing mortgage.
Are you a credit provider or a lender?
No. Envision Finance is a finance comparison and referral service. We are not a lender or credit provider, and the information on this site is general in nature — please read our financial disclaimer.
Tell us what you need
Send through your situation and we'll come back with a shortlist of lenders, indicative rates and the documents each one wants.
- A response within one business day
- Compared across banks and specialist lenders
- No obligation and no cost to compare
Ready to see your options?
One enquiry, compared across banks and specialist lenders — no cost and no obligation.