Home Loans
Buy, build or refinance your home.
ask arthr™
Australia’s first AI native mortgage broker
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loan book$10B+
Awards held by 1st StreetChat sessions are recorded by arthr pty ltd and our service providers. By using chat, you agree to our terms of use and privacy policy.
Whatever you need,arthr can help.
Expert brokers. More options. Better deals.
Car Finance
Get behind the wheel, sooner.
Loan Refinance
Lower rates. Better terms.
Commercial Loans
Grow your business with confidence.
Debt Consolidation
Simplify and take control of your debt.
Business Loans
Fuel cash flow and future growth.
Investment Loans
Build your portfolio faster.
Construction & Equipment
Fund the tools and projects that build your future.
Chat. Compare. Settle.
Start with arthr, by text or voice, any hour. One of our brokers picks it up from there.
Say hi
arthronline
I'm looking for a new home
Congrats! How much do you need to borrow?
About $400k
What's your annual income?
$120k a year
We've got some lenders who may be able to help
Meet your broker
Your broker · 6 years
Loan$400k
Income$120k
PropertyFirst home
Term30 yr
Settle, stay in touch
Settled
$1.5M home secured. Welcome home.
40+ lenders on our panel
The best rate.
Always.
We put 40+ lenders in competition for you, then negotiate from there.
Comparing…
40+ lenders, side by side
Checking…
the bank's offer vs ours
Gathering…
your paperwork, sorted
Paying too much?
Probably.
If your home loan has been sitting quietly in the background, a refresh can be worth a lot. Here's a rough idea by loan size. The real numbers, we'll do together.
Check my savings →
Pulling rates · $12M refi…
$6,930/ month back
Currently6.64%
Sharpest tonight5.79%
arthr
Focused on your outcome
40+ lenders on our panel.
We compare across the market, not just one.
The whole picture.
We look at costs, features and long-term fit.
We check the fine print.
Buffers, LMI, fees, cashback and policy quirks.
Matched to you.
We find the lender and loan that suits your situation.
We stay in your corner.
We keep an eye on your rate and your future.
We work for you.
Not the bank.
Arthr looks beyond the rate. We compare more lenders, check the fine print, and find the option that actually suits you.
Let us help you →Comparing…
arthr is always working
arthr@arthr
Fair questions. Straight answers.
Who's actually behind Arthr?+
1st Street Financial: one of Australia's most-awarded mortgage brokers, with teams in Sydney, Melbourne and the Gold Coast. MFAA and FBAA members, AFCA-accredited, Privacy Act compliant. Your broker is a real person, fully credentialled, who's done this thousands of times, across homes, investments and commercial.
What do you charge me?+
Nothing on standard residential loans. Our brokers are paid by the lender when your loan settles, disclosed in the credit guide up front, and it doesn't move your rate or your fees. Anything outside the standard service (specialist or certain commercial work) we'd flag the fee before starting.
What can you actually negotiate?+
Three things, mostly: a lower interest rate, upfront fees reduced or waived, and faster approval. The leverage comes from 40+ lenders on the panel competing for your loan, and from broker relationships that go back years.
How do you find the right loan for me?+
One obligation-free meeting. You tell us what you need; we do the research across hundreds of products from all the major banks and beyond, instead of you arranging meetings with each lender and repeating yourself five times.
Is switching worth it?+
Sometimes yes, sometimes no. There are fees, and it takes a few weeks. We'll run the numbers honestly and tell you straight, even if staying put is the right call.