A bank offers you
its own products.
We compare forty five lenders.
Approval is decided by credit policy, not by advertised rates, and policies differ far more than rates do. That gap is the entire reason a broker exists.
Start your application
Broker or bank, side by side
Both are legitimate routes. This is what actually differs, without the marketing.
How many lenders can be compared?
Kasana Finance
A panel of 45 lenders, filtered to the ones whose policy fits you
A single bank
One lender's own product range
Who is the duty owed to?
Kasana Finance
You. Australian brokers work under a Best Interests Duty
A single bank
The employer, as a staff member selling its products
What happens when policy does not fit?
Kasana Finance
The file moves to a lender whose policy does fit
A single bank
The application is declined
What does it cost upfront?
Kasana Finance
Nothing in the majority of cases. The lender pays on settlement
A single bank
Nothing, though the rate is not compared against anything
Who packages the application?
Kasana Finance
The broker, in that lender's preferred format
A single bank
You, with branch assistance
Going direct is a valid choice, particularly where you have a long banking relationship and want an in-house discretionary discount. The full comparison is here.
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The difference in practice
Every broker claims service. These are the specific things that change how your application is handled.
One broker owns your file
You are not handed between call centre staff. The person who assessed your position is the person who submits it and chases the lender.
We take the hard files
Bad credit, no deposit, ABN under two years, temporary visas, income the bank could not read. These are the applications we are built for.
45 lenders, not one product sheet
A bank can only offer you its own products. We compare across the panel and put your file where it actually gets approved.
No upfront broker fee
In the majority of cases we are paid by the lender on settlement, and the commission is disclosed in your loan documents.
We stay on after settlement
Rate reviews, refinances, the next purchase. The relationship does not end when the loan funds.
What you get on every file
Tailored Solutions
We understand that every client is unique, so we customize our financial services to match your specific needs.
Expert Guidance
With years of industry experience, our team offers trusted advice and insights to help you make informed decisions on a loan.
Wide Range of Services
From home loans and car finance to commercial and specialist lending, we cover all your financial requirements under one roof.
Transparent Process
We prioritize honesty and clarity, ensuring there are no hidden fees or surprises.
Who we work with
First home buyers
Grants, low deposit structures and a plain explanation of what each number on the contract actually means.
Visa and temporary residents
491 and skilled visa home loans, car finance and personal lending from lenders who understand visa conditions.
Self-employed and business owners
Low doc structures, asset finance and commercial property lending assessed on how a business actually earns.
Investors
Interest-only, equity release and SMSF structures matched to the portfolio you are trying to build.
Ready to talk numbers?
A short call is enough for a broker to tell you what you can borrow and which lenders suit your situation. No cost, no obligation.
Mon - Fri 09:00 - 18:00 | Sat 09:00 - 13:00 | Sun - CLOSED