Your home loan concierge

Get a home loan the smart way. Online.

We make them simple

In 5-ish seconds we'll compare hundreds of loans from 35+ lenders and show you three that could help you keep more of your hard-earned money where it belongs – in your wallet. DIY, No credit checks, Up to $4000 cashback when you switch*

Find a home loan in 5-ish seconds

*Cashback offers from select lenders subject to eligibility criteria, terms and conditions.

we hear you

You want a home not a home loan

Looking for fancy graphs or comparison charts? You're in the wrong place. Henry is a bona fide A.I. powered loan genius. It takes seconds for us to crunch the numbers on hundreds of loan options and get you the lowest rates. Now you can stress less about buying and focus more on living. This is one quickie you will want to brag about.

See three home loan options

Henry makes home-loaning easy and fun by replacing graphs and charts with AI genius and actual answers.

We get clever humans to do the heavy lifting once you have options. So you sit back and relax. We'll guide you all the way to settlement.

You can ask us anything. There is no such thing as a bad question. We're here to share unlimited advice every step of the way.

It's not about the money money money

What does it cost?

Using Henry costs you nothing, because we’re paid directly from the bank if you get a loan through us. What we get paid varies. As an example, if you were to borrow $400,000 the lender would pay us $2,200 assuming a 0.55% commission. We believe in being fully transparent – so you can see exactly what we get paid from each bank.

Remember, using us doesn’t cost you anything extra, and you don’t pay a higher interest rate or any extra fees on the loan. What you will get is expert advice and help to help you search, choose and settle your home loan. Ready? Call us at a time that suits you or find your own deal online, right now.

Find a deal

Got a loan already?

Maybe we can help you get a better one which has more of what you want and less of what you don’t. More flexibility, better rate, offset account, more dollars in your wallet or all of the above? Can’t hurt to explore your options.

Check our rates

Who is Henry?

We’re a transparent online mortgage broker that speaks plain English. We combine smart tech and smarter people to help you find and get a home loan that works hardest for you.

We compare 900+ loans from over 35 lenders, and show you the top three. Then, we talk to you, get a bit more info, and do a lot of homework to find the perfect loan for you, negotiate with the banks if possible, and apply for the loan.

There’s too much unnecessary complexity, jargon and plain old BS out there today. Our goal is to cut through all of that – and help you win at home loans.

What’s that?

LVR, LMI, Comparison rate, interest only, conveyancing and more! When we were researching our home loan options we kept seeing all this jargon everywhere. Everyone else seemed to know what LMI meant but we…erm.. weren’t so clear. So we've dropped some answers below for people like you (and us) that like their answers without a side of gobbledygook.

Are you more expensive than going direct to the bank?

Absolutely not. By using Henry to apply for your loan, we can often get you better rates than what you could by going directly to your bank. First, we’ll show you the lowest rates from over 40 lenders, then we get some info, do lots more research, and find the one best option. Finally, we’ll negotiate with the bank to get you an even better rate, if possible. Our service costs you nothing and often you'll end up paying a lot less than nothing - by going with a different bank, or paying a lower rate, or both! ?

What is LMI?

LMI stands for Lender’s Mortgage Insurance. This protects the bank in case you default on your home loan. This is an additional charge, typically if your deposit is less than 20% of the purchase price. If you want to buy a property for $500,000 and have $50,000 (10%) saved for a deposit, the bank may charge you LMI. LMI is a once-off payment, and can often be added to your loan amount.

What is LVR?

LVR stands for Loan to Value Ratio. The amount of money that a bank will lend you based on how much the property is worth. For example, an 80% LVR means the bank is willing to lend up to 80% of what the property is worth. If you’re buying a property for $500,000, an 80% LVR loan is $400,000. In this example, you would need to have $100,000 (20% of $500,000) saved up for a deposit.

Where can I see the fine-print?

Before we do anything serious we will get you to sign off on our Privacy Policy and our Credit Guide. Everything is available via your Henry home loan portal and can be signed via secure digital signature online.

Still have questions? Get in touch

Henry Money Pty Ltd (Henry) ABN 75636786117 Credit Representative 521419 is authorised under Australian Credit Licence 384324. This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice. Remember, the value of any investment can go down as well as up. You should always seek professional advice in relation to your individual circumstances. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. Any recommendations made about a financial product are general advice only and has not taken into account your particular needs and circumstances. You should consider the Product Disclosure Statement to determine if the product is suitable for you before you decide to purchase it.