Your shortest path to the keys
Whether it's your first home or your next, we'll find the right loan from 45+ lenders and guide you from planning to settlement.
Free. No credit check. Takes 2 minutes.
Trusted by 1,000+ Australian homeowners
Accredited with Australia's leading lenders
45+
Lender partners
1,000+
Homeowners helped
2 min
To get started
$0
Cost to you
Your home buying journey
Four stages. One team beside you the whole way.
Know your numbers before you start looking
The biggest mistake buyers make is house-hunting before they know what they can afford. We start with the maths — so you search with confidence, not anxiety.
Your borrowing power — mapped out
We calculate what you could borrow based on your income, expenses, and goals. No guesswork. No nasty surprises at auction.
The true cost of buying — uncovered
Stamp duty, legal fees, inspections, insurance — we outline every cost upfront so your budget accounts for reality, not just the purchase price.
Government grants and schemes — checked
First Home Owner Grant, First Home Guarantee, stamp duty concessions — we check what you're eligible for and factor it into your plan.
Borrowing Power
Estimate$780,000
Based on your income and expenses. No credit check.
The Wity difference
What changes when you buy through us
Your bank shows one menu. We show 45+.
Going direct to your bank means seeing only their products. We search the full market — major banks, specialist lenders, and non-banks — to find the loan that actually fits.
Expert structure. Faster approvals.
Decades of lending experience across 45+ lenders. Every application we submit is structured the way lenders want to see it.
No cost. No catch.
Wity is free to use. Your lender pays us when your loan settles. We'll disclose exact figures before you commit.
Buying your first home as a doctor, dentist, or health professional?
You may qualify for our exclusive medico lending policy — up to 95% LVR with no LMI, HECS excluded from borrowing power, and future income accepted. These benefits can change the maths of buying entirely.
Allied health professional? See allied health home loans →
From buyers like you
They were in your shoes last year
“First-home buyer, no idea where to start. Wity mapped out my borrowing power, got me pre-approved, and found a rate I couldn't get at my bank. Settled in under 8 weeks.”
“We were upgrading from a unit to a house with two kids. Wity handled the timing of selling and buying so the finance didn't hold us up. One person managed the whole thing.”
“As a registrar, I thought buying was years away. Wity showed me I could borrow based on my career trajectory. I bought 3 years earlier than I planned.”
“I called three brokers before Wity. None of them explained the First Home Guarantee properly. Wity not only explained it — they structured my whole application around it.”
“First-home buyer, no idea where to start. Wity mapped out my borrowing power, got me pre-approved, and found a rate I couldn't get at my bank. Settled in under 8 weeks.”
“We were upgrading from a unit to a house with two kids. Wity handled the timing of selling and buying so the finance didn't hold us up. One person managed the whole thing.”
“As a registrar, I thought buying was years away. Wity showed me I could borrow based on my career trajectory. I bought 3 years earlier than I planned.”
“I called three brokers before Wity. None of them explained the First Home Guarantee properly. Wity not only explained it — they structured my whole application around it.”
“First-home buyer, no idea where to start. Wity mapped out my borrowing power, got me pre-approved, and found a rate I couldn't get at my bank. Settled in under 8 weeks.”
“We were upgrading from a unit to a house with two kids. Wity handled the timing of selling and buying so the finance didn't hold us up. One person managed the whole thing.”
“As a registrar, I thought buying was years away. Wity showed me I could borrow based on my career trajectory. I bought 3 years earlier than I planned.”
“I called three brokers before Wity. None of them explained the First Home Guarantee properly. Wity not only explained it — they structured my whole application around it.”
“First-home buyer, no idea where to start. Wity mapped out my borrowing power, got me pre-approved, and found a rate I couldn't get at my bank. Settled in under 8 weeks.”
“We were upgrading from a unit to a house with two kids. Wity handled the timing of selling and buying so the finance didn't hold us up. One person managed the whole thing.”
“As a registrar, I thought buying was years away. Wity showed me I could borrow based on my career trajectory. I bought 3 years earlier than I planned.”
“I called three brokers before Wity. None of them explained the First Home Guarantee properly. Wity not only explained it — they structured my whole application around it.”
Common questions
Buying a home? Start here.
Ready to start?
Your next home is closer than you think
Two minutes. That's all it takes to see what you could borrow and which lenders fit your situation.
Free. No credit check. No commitment.
The information on this page is general in nature and does not constitute personal financial advice. Credit eligibility criteria, terms, conditions, and fees apply. Government grants and schemes are subject to eligibility criteria and may change. Wity is the trading name for Wity Pty Ltd ACN 624 943 559 | Authorised credit representative 508333, a related body corporate of NF84 Pty Ltd (NF84), which holds Australian Credit Licence 531736. Wity and NF84 are subsidiaries and related body corporates of NF84 Pty Ltd (ACN 629 183 633).