We compete.
You win.
We compare 40+ lenders, negotiate aggressively, and share our commission through Cash Reward Discounts - so you get a better outcome without the extra work.
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Lower Rater
We source the lowest rate for you.
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Cash Reward Discount
if the rate is the same,we reward you.
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Fast Response
Even nights and weekends, we're here.
We source. Then reward you on top. Owner Occupier
Market Low Rate
5.93%p.a.
Comparison Rate 5.98% p.a.*
Cash Reward Discount
0.10%p.a.
Paid to you for 2 years
Your Effective Rate
5.83%p.a.^
Lasts for 24 months
Up to
$3,000
Cash Reward Discount^
Paid to you after settlement
*5.93% p.a. is the marketed rate, comparison rate is 5.98% p.a.
^0.10% Cash Reward Discount poid for 2 years, paid annually in arrears.
Why choose
Smart Loan Choice?
You get the rate. We add the reward. You win.
Paid by lenders, not you
Our commission comes from lenders, not from your pocket.
Exclusive client rewards
If the rate is the same, we secure a cash reward for you.
We do the hard work
We compare, negotiate and handle the details for you.
One point of contact
No more chasing multiple brokers or banks.
Recent Settlements. Real Results.
12 Stanmore Street Tallawong, NSW 2762
Loan Amount
850,000Rate achieved
5.83%Cash Reward Discount
$1500
207/1 Ferntree Place Epping, NSW 2121
Loan Amount
550,000Rate achieved
5.83%Cash Reward Discount
$800
33 Jean Street, Seven Hills, NSW 2147
Loan Amount
900,000Rate achieved
5.83%Cash Reward Discount
$1800
7/2 Myrtle Road Bankstown, NSW 2200
Loan Amount
600,000Rate achieved
5.83%Cash Reward Discount
$900
96 Hull Road West Pennant Hills, NSW 2125
Loan Amount
1,600,000Rate achieved
5.83%Cash Reward Discount
$3000
40 Merlin Terrace, Kenmore, Qld 4069
Loan Amount
1,300,000Rate achieved
5.83%Cash Reward Discount
$2200
10 Cosmic Street Robertson, QLD 4109
Loan Amount
2,000,000Rate achieved
5.83%Cash Reward Discount
$2200
7/8 Russell Street Everton Park, QLD 40537
Loan Amount
800,000Rate achieved
5.83%Cash Reward Discount
$1100
30 Olympus Drive Robina, QLD 4226
Loan Amount
1,000,000Rate achieved
5.83%Cash Reward Discount
$1100Our offices. Local experts, here for you.
Sydney
101/16-20 Edgeworth David Ave
Hornsby NSW 2077
Brisbane
Office E/242 Mains Rd
Sunnybank QLD 4109
Perth
1B/16 Yampi Way
Willetton WA 6155
Your local team 15+ experienced brokers ready to help you.
David xu
CEO
Michael Tang
General Manager
Iris Liu
Compliance manager
Vincent Jiang
Finance consultant
Rina Ge
client relationship specialist
Oscar Zhang
Finance consultant
Joey Cao
Finance consultant
Jing Ma
Finance consultant
Eric Tieu
Finance consultant
Brad Huang
client relationship specialist
Anson Hu
Finance consultant
Anna Ma
Finance consultant
Aili Li
Finance consultant
Zane Miao
Finance consultant
100% Free Service
We're paid by lenders, not by you.
40+ Lenders
More choice. More competition, Better rates.
Expert Negotiation
We negotiate so you get the best deal.
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500+ reviews from happy clients.
10,000+ Loans Settiled
Helping Australians achieve their goals.