Home Loans.
The bank suggests the loan that's good for them. We find the one that's right for you. Whether you're buying your first home, upgrading, refinancing, or investing - Co-Pilot Finance & Insurance compares home loans across 60+ lenders to get you the right rate, structure, and features.
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Won't affect your credit score.
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Professional Home Loan Brokers
Home loan brokers - why the right broker gets you a better deal
A bank can only offer you their own products. A broker searches 60+ lenders and negotiates on your behalf - which typically means a lower rate, better loan features, and significantly less paperwork for you. Here's what that looks like in practice.
Market knowledge that saves you money
We know which lenders move fastest, which have the tightest serviceability buffers, and where the best rates actually sit right now - not what's on a comparison website. That knowledge directly affects your rate and approval outcome.
You'll always know where you stand
We keep you in the loop at every stage - when the application is submitted, when it's assessed, when you're approved. No chasing us, no silence at the critical moments, no surprises at settlement.
We put your interests first - legally and in practice
As licensed credit representatives, we're obligated to act in your best interests. But more practically: we recommend the loan that's right for you - not the one with the highest commission. We're transparent about fees and how we're paid.
Run The Numbers
Calculate your home loan repayments
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Estimated monthly repayment
$3,792.41
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Home loans - what a broker actually does differently
Most people go direct to their bank - which means they see one set of rates from one lender. A broker searches across 60+ lenders, runs your scenario through multiple serviceability models, and presents you with the options that actually fit your situation.
We also handle the application, chase the bank when things stall, and flag potential issues before they become problems. By the time you're at settlement, you've had a professional working on your behalf at every step - at no cost to you.
Why Co-Pilot
Why Co-Pilot for your home loan - not just any broker
We work for you, not the lender
Co-Pilot is an independent broker. We're not tied to any bank or lender - so the loan we recommend is the one that suits you, not the one that earns us the most.
Lender relationships that open doors
With access to 60+ lenders - major banks, non-bank lenders, and specialists - we find options and rates that aren't available if you walk into a branch.
Honest advice on rate, structure, and features
Fixed vs. variable, offset vs. redraw, split loans - getting these wrong can cost tens of thousands over the life of your loan. We explain the trade-offs before you sign.
Clear communication, no surprises
You'll always know where your application stands. We keep you updated proactively and answer questions quickly - from first enquiry through to settlement.
What a broker does for you:
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Home Loans
Buying, upgrading, or refinancing?
Let's find your home loan.
Tell us your situation. We compare 60+ lenders and find the rate and structure that serves your goals - not ours.