Home Loans.
Your bank can only sell you its own loans. We compare 60+ lenders - first home, upgrade, refinance or investment - and come back with the rate, structure and features that actually fit.
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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 offers you its own products. A broker searches 60+ lenders and negotiates for you - usually a lower rate, better features and far less paperwork. Here's what that means in practice.
We know where the sharp rates sit
Which lenders move fastest, whose serviceability buffers are tightest, where the sharpest deals are this month - not what a comparison site said last quarter.
You'll always know where you stand
Submitted, assessed, approved - you hear from us at every stage. No chasing, no silence before settlement.
Legally bound to act in your interests
We're licensed credit representatives, so it's the law. In practice: we recommend the loan that fits you, not the one that pays us most, and we're upfront about how we're paid.
Run The Numbers
Calculate your home loan repayments
Enter your loan details
Estimated repayment
$3,792.41 / month
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
Go direct to your bank and you see one set of rates from one lender. We run your scenario across 60+ lenders and multiple serviceability models, then show you the options that fit.
We handle the application, chase the bank when it stalls, and flag issues before they bite - 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
We're not tied to any bank. The loan we recommend is the one that suits you, not the one that earns us the most.
60+ lenders, not one branch
Major banks, non-banks and specialists - options and rates you won't see walking into a branch.
Straight advice on rate, structure and features
Fixed vs variable, offset vs redraw, split loans - get these wrong and it costs tens of thousands over the loan. We explain the trade-offs before you sign.
You hear from us before you have to ask
You'll always know where your application stands, from first enquiry to settlement.
What a broker does for you:
Hear What Our Clients Are Saying
“I had such a great experience with Kristy! She was very helpful during the whole process and always responsive to any questions or concerns I had. Highly highly recommend and I will definitely be recommending her to my friends/family for any of their financial needs. Thank you for all your help Kristy, I truly appreciate it.”
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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.
No impact to your credit score