XLOANS Finance Brokers
    XLOANS Finance Brokers

    Your Home Loan JourneyStarts Here

    Compare 40+ lenders, use free professional tools, and get expert broker advice — all at zero cost to you.

    💡 How much could you save with a better rate?

    Sarah from Melbourne checked her borrowing power

    Trusted & accredited

    ASIC Licensed

    Australian Credit Licence

    MFAA Member

    Mortgage & Finance Association

    40+ Lenders

    Major banks & specialists

    No Cost to You

    Lenders pay our commission

    5-Star Rated

    Verified client reviews

    Real outcomes

    How we've helped Australians like you

    Anonymised examples from our broker desk. Every situation is different — these illustrate what's possible with the right loan structure.

    First Home Buyer

    Brisbane couple bought with 5% deposit — no LMI

    Challenge: A young Brisbane couple thought they needed years to save a 20% deposit on a $720K home and were quoted $24K+ in LMI by their bank.

    What we did: We placed them under the federal First Home Guarantee with a major lender at a competitive rate, getting them into their home with 5% down and zero LMI.

    • ✓ Saved $24K in LMI
    • ✓ Moved in 6 weeks earlier
    • ✓ Settled on a 5.94% rate
    Refinance

    Sydney professional cut $312/month off their mortgage

    Challenge: A Sydney IT manager was on a 6.49% variable rate inherited from a 2022 fixed rollover. Their bank wouldn't budge despite 4 years of perfect repayment history.

    What we did: We refinanced to a tier-1 lender on a 5.84% rate with a $4K cashback, cutting monthly repayments by $312 and recouping switch costs in under 6 months.

    • ✓ $3,744 saved per year
    • ✓ $4K cashback received
    • ✓ 0.65% rate reduction
    Investor

    Melbourne investor unlocked $180K in equity for property #2

    Challenge: A Melbourne investor wanted to use equity in their owner-occupier home to fund a deposit on an investment property but had been declined twice for serviceability.

    What we did: We restructured their existing loan with a different lender, used income shading correctly, and accessed $180K of usable equity to settle on a $640K investment unit in Brunswick.

    • ✓ $180K equity unlocked
    • ✓ Investment loan approved at 6.19%
    • ✓ Cash-flow positive from day one

    * Illustrative scenarios based on real broker engagements. Names and identifying details have been removed. Individual outcomes vary based on lender policy and personal circumstances.

    What brings you here today?

    Choose your path — we'll guide you from there