Know the year you'll own your home outright.
Put in your numbers and see the loan, the repayments and the date you're mortgage-free. Then we find the lender and the structure that bring that date forward.
Own Your Future is an independent mortgage broker for first home buyers, refinancers and investors. We compare more than 30 lenders and there is no fee for our service: the lender pays us when your loan settles.
Home ownership calculator
Estimates only. Your broker will confirm what you can borrow.
What changes when a broker is on your side
One application, thirty-plus lenders
Banks, non-banks and specialist lenders. We know which ones suit your income type, your deposit and your timeline, and we only put you in front of the ones that will say yes.
The structure matters as much as the rate
Offset accounts, split loans, repayment frequency and how the loan is titled all change the year you'll own the place. We set it up to pay off faster, not just to settle.
No fee for our service
The lender pays our commission when your loan settles. We disclose it in writing before you apply, and it doesn't change the rate you get.
How it works
From first conversation to settlement usually takes four to six weeks. Most of that is the lender's time, not yours.
A 20-minute conversation
Phone or video. We talk through what you're buying, what you earn and what you want the next ten years to look like.
Your borrowing position, in writing
You get a clear figure for what you can borrow, which lenders fit, and what your repayments would be at each.
We prepare and lodge the application
We collect the documents, package the file the way the lender's credit team wants it, and chase it through to approval.
Settlement, then an annual check
Every year we review your rate against the market. If moving lenders would pay off the loan sooner, we tell you.
Accredited with lenders including
(portrait, 4:5)
Your broker
[Broker name] started Own Your Future after [X] years in lending, on the other side of the desk. The name is the whole pitch: the goal isn't a loan, it's the day you no longer have one.
You deal with [first name] directly from the first call to settlement and every review after. No handovers to a processing team, no call centre.
- Credit Representative [number]
- MFAA member
- AFCA member
- Based in [suburb], serving all of Australia
Who we help
First home buyers
Deposit strategy, the First Home Guarantee and other government schemes, and how to avoid lender's mortgage insurance where possible.
Refinancing
If your rate hasn't moved in two years you're likely paying more than you need to. We check the numbers and handle the switch.
Investors
Loan structure and borrowing capacity across multiple properties, with an eye on the next purchase as well as this one.
Self-employed
Lenders that read business financials sensibly, including low-doc and alt-doc options for the first two years of trading.
Start with a 20-minute call
No obligation and nothing to prepare. Tell us what you're trying to do and we'll tell you what's realistic.