Your shortest path to a better home loan
Answer a few quick questions and we'll match you with a tailored home loan offer from 45+ lenders — in minutes, not days.
Free. No credit check. Takes 2 minutes.
Rated 4.9 on Google by Australian homeowners
45+
Lender partners
2,400+
Loan products compared
98%
Client satisfaction
100%
Australian owned
Why Wity
What makes us different actually matters
We scan 45+ lenders to find your best match
Our platform searches live rates, policies, and eligibility criteria across 45+ lenders in real time. Not a static comparison table — a live match based on your actual situation.
Best match
5.74% variable
No LMI · Offset included
One search. Your best fit.
Major banks, specialist lenders, and non-banks — we search the full market so you don't have to.
A named person, not a call centre
Rate reviews, post-settlement support, future lending — one person who knows your name and your goals. No cost.
We tell you how we get paid
No hidden agendas. Commission disclosed upfront, before you commit.
The loans others call “too hard”
Self-employed, multiple properties, SMSF, visas — complex situations are our speciality, not our exception.
Today's rates
Lowest rates across our panel — updated daily
Lowest variable
Comparison rate 6.14% p.a.*
Lowest fixed (3yr)
Comparison rate 6.16% p.a.*
These are the lowest rates available today across our 45+ lender panel. Your rate depends on your situation.
See my personalised rate*Rates shown are indicative and sourced from our lender panel as at 19 Jul 2026. Comparison rates are based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or loan amounts may result in a different comparison rate. Rates are subject to change without notice. All lending is subject to credit approval.
How it works
From question to keys in four steps
No paperwork marathons. No guessing games. Just a clear path to the right home loan.
Match
Tell us about you, and we shortlist your best offers from 45+ lenders. Two minutes, no credit check.
Connect
A real conversation with your Wity broker — your goals, your timeline, what matters most. We listen first.
Plan
Your WityLoanPlan: the lender, the structure and the numbers, refined with you until it fits.
Settle
We prepare everything and drive it to settlement day. You get the keys.
And after settlement? We keep watching your rate. Settled. Still here.
No commitment. No credit check. Just clarity.
For medical professionals
Your career is your superpower
Most banks penalise HECS debt and ignore your future earning potential. Our medico policy does the opposite.
Not a medical professional? No worries — our 45+ lender panel means we find the right fit for everyone.
No LMI — up to 95% LVR
LMI typically costs $15,000–$25,000 on a $1M loan. Under our medico policy, you pay $0.
HECS excluded from borrowing power
$80K in HECS typically costs $80,000–$120,000 in borrowing capacity at most banks. Our medico policy excludes it entirely.
Future income accepted
Most banks see your current salary. Our medico policy lends on your confirmed career trajectory.
Allied health professionals — you qualify too
AHPRA-registered nurses, physios, pharmacists, and more — up to 90% LVR with no LMI.
What our clients say
Don't take our word for it. Take theirs.
I had $90K in HECS debt and thought I’d need to save for another three years. Wity showed me I could buy now — and saved me $22,000 in LMI I didn’t even know existed.
My bank offered me one rate and said take it or leave it. Wity came back with three better options in 48 hours. The process was so straightforward I kept waiting for the catch. There wasn’t one.
As a physio, I assumed the medico lending benefits were only for doctors. Wity got me 90% with no LMI. I saved almost $16,000 upfront — money that went straight into my fit-out.
We own three investment properties and the structuring advice alone was worth it. Our broker thinks like a lender — they knew exactly how to present our application so it wouldn’t get flagged.
I had $90K in HECS debt and thought I’d need to save for another three years. Wity showed me I could buy now — and saved me $22,000 in LMI I didn’t even know existed.
My bank offered me one rate and said take it or leave it. Wity came back with three better options in 48 hours. The process was so straightforward I kept waiting for the catch. There wasn’t one.
As a physio, I assumed the medico lending benefits were only for doctors. Wity got me 90% with no LMI. I saved almost $16,000 upfront — money that went straight into my fit-out.
We own three investment properties and the structuring advice alone was worth it. Our broker thinks like a lender — they knew exactly how to present our application so it wouldn’t get flagged.
I had $90K in HECS debt and thought I’d need to save for another three years. Wity showed me I could buy now — and saved me $22,000 in LMI I didn’t even know existed.
My bank offered me one rate and said take it or leave it. Wity came back with three better options in 48 hours. The process was so straightforward I kept waiting for the catch. There wasn’t one.
As a physio, I assumed the medico lending benefits were only for doctors. Wity got me 90% with no LMI. I saved almost $16,000 upfront — money that went straight into my fit-out.
We own three investment properties and the structuring advice alone was worth it. Our broker thinks like a lender — they knew exactly how to present our application so it wouldn’t get flagged.
I had $90K in HECS debt and thought I’d need to save for another three years. Wity showed me I could buy now — and saved me $22,000 in LMI I didn’t even know existed.
My bank offered me one rate and said take it or leave it. Wity came back with three better options in 48 hours. The process was so straightforward I kept waiting for the catch. There wasn’t one.
As a physio, I assumed the medico lending benefits were only for doctors. Wity got me 90% with no LMI. I saved almost $16,000 upfront — money that went straight into my fit-out.
We own three investment properties and the structuring advice alone was worth it. Our broker thinks like a lender — they knew exactly how to present our application so it wouldn’t get flagged.
4.9
Average Google rating
2,400+
Loan products compared
98%
Client satisfaction
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Your better home loan starts with one question
What's important to you? Tell us, and we'll find the home loan that fits.
Free. No credit check. Takes 2 minutes. Real humans on the other side.