lendQUAL

Working with a finance broker gives you choice, expertise and advocacy that banks can’t provide directly. Brokers compare loans from a wide range of lenders, including major banks, non-banks and private funders, to find an option that best suits your goals and financial position.

Unlike a single bank, which can only offer its own products, a broker acts in your best interests by assessing your needs and matching you to a suitable lender. All brokers are required to comply with the Best Interests Duty (BID) under ASIC regulations, meaning they must put your needs ahead of any lender’s.

Brokers are also skilled at helping Australians with complex or changing circumstances, such as self-employed clients, investors or those refinancing multiple properties, by structuring loans that improve borrowing power and long-term flexibility.

Example: A couple approached their bank and were declined due to mixed PAYG and contractor income. Through lendQUAL, they were connected with an independent broker who sourced approval from a non-bank lender specialising in self-employed borrowers, saving their purchase.

lendQUAL is an Australian funding-connection platform. We collect a few details about your situation and introduce you to a licensed, qualified mortgage or finance broker who is suited to your needs (home, refinance, investment, car/asset, business, construction, private, agri, SMSF and more). We are not a lender or credit provider and we do not give credit advice. Any financial guidance is provided by the independent broker you’re introduced to (operating under their own ACL/CRN).

No. Completing our SmartMatch form does not create a credit enquiry and does not affect your credit score. A broker will only run a credit check with your consent and after explaining why it’s needed.

Our service is free for consumers. There’s no cost and no obligation to proceed after you submit your details. If you choose to proceed, the broker will explain any fees or commissions relevant to their services before you decide.

We look at your situation and ask a range of questions and a few profile questions (e.g., PAYG or self-employed). We then introduce you to a broker who has relevant experience in that area. All broker partners are verified and appropriately licensed. If a match isn’t suitable, tell us and we’ll rematch you.

After you submit the form, you’ll receive a confirmation on-screen. A verified broker partner will typically contact you within 24 hours (business days). If it’s urgent, mention this in the message field and we’ll prioritise your introduction.

We collect only the details needed to make a suitable introduction (contact info, loan type/amount, general profile and location). Your information is stored securely, handled under our Privacy Policy, and shared only with the matched licensed broker. We don’t sell your data.

This varies by loan type, but common items include:

• ID (driver licence/passport)

• Income (recent payslips or accountant letter/tax returns if self-employed)

• Liabilities (loan statements, credit card limits)

• Assets (savings statements)

• Property details (if applicable) The broker will provide a tailored checklist and explain why each item is requested.

Absolutely. Choose the option that seems closest (e.g., “Refinance” or “Business/Commercial”) or select “Other” and tell us your goal in a sentence. The broker will clarify suitable options and explain the differences in plain English.

Yes. If you have a preference (e.g., language, location, specialty), tell us in the form. If the first match isn’t right, contact us and we’ll rematch you with another qualified, licensed broker, no hard feelings and no obligation.

No. lendQUAL does not provide credit advice or product recommendations. We introduce you to an independent, licensed broker who will explain options and, if appropriate, provide credit assistance under their own Australian Credit Licence (ACL) or Credit Representative Number (CRN). You remain in control of any decision to proceed.