Home loans, car loans, business loans and equipment finance, with free calculators and guides.Check the broker before you check the rate.
Every broker we introduce is YFG Approved: over two hours one on one with our founder, references, reviews and accreditations checked, and checked again after your call. Work out what you can borrow with our free calculators, then talk to one.
- Business financeCheck my business finance options
- Buying a homeCheck my home loan options
- RefinancingCheck my refinance options
Free matching, no obligation and no credit check at this step. One YFG Approved broker calls within one business day.
“Brokers earn their place here, and they can lose it.” Andy McMaster, founder. Why I built this
Car, equipment, personal loan or novated lease? See every loan or try the calculators.
Start with your loan
Brokers earn their place here. They can lose it.
A licence is the minimum, not the standard. Before a broker hears from you they pass six checks, and they have to keep passing them. It takes us hours per broker, and it’s meant to.
Over two hours, one on one, before a broker hears from a single borrower.
Two hours with the founder
Andy spends over two hours with every broker: how they work, how they write loans and how they look after people. If they can’t show they know their profession, it ends there.
References checked
We speak to people who have worked with them, so we hear how they operate when nobody is selling.
Reviews read
We read what their clients say about them in public, the hard reviews as well as the good ones.
Licence and accreditations
Their Australian Credit Licence or credit representative number, looked up on ASIC’s register, membership of AFCA (the free complaints scheme) and their accreditations.
Held to our rules
Your enquiry goes to them alone, not to a list, and they call within one business day, already knowing your answers.
Checked again after your call
After your first call we ask you how it went. A broker who falls short loses their YFG approval.
Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. Paying the fee doesn’t buy approval: a broker who fails a check doesn’t get enquiries.
Read the YFG Approved standardBrokers earn their place here, and they can lose it.
I spent more than a decade in the property industry advising buyers and investors, and I got tired of watching people get ripped off. So every broker here has sat with me for over two hours, and we have checked their references, reviews and accreditations, before they hear from you.
Andy McMasterFounder, Your Finance Guide
Free guides, with the numbers worked out
Real dollar examples and the trade-offs between your options, across 47 guides. No sign-up needed.
First home buyer guide 2026
Grants, schemes, how to build a deposit faster, and the order to do everything in.
How much can I borrow?
A quick borrowing power calculator. Lenders test your repayments at 3% above the rate you would pay, and so does this.
An estimate only, not a credit offer. It assumes a 6.20% rate (the RBA's average for new owner-occupier variable loans), tested at 9.20% (the APRA 3% buffer), over 30 years with principal and interest repayments.
A YFG Approved broker, for your kind of loan
Answer a few questions about what you're borrowing for. We pass them to one YFG Approved broker who works with loans like yours, they call you, and you decide whether to go ahead.
Every broker we introduce
- Has spent over two hours one on one with our founder, showing they know how to write loans and look after people.
- Has had their references, client reviews and accreditations checked.
- Holds an Australian Credit Licence or is a credit representative of a licensee. We check the number on ASIC’s register, and they are a member of AFCA.
- Gets your enquiry on its own, and calls you within one business day, already knowing your answers.
- Is checked again after your call. We ask you how it went, and brokers who fall short lose their approval.
What are you borrowing for?
Checking your options won't affect your credit score.
News for borrowers
Rate decisions, lender changes and property data, with what each one means for your repayments. Every piece is dated and names its author.
What we can promise, and what we can't
You won't find star ratings here: we only show reviews we can link to their source. Read how matching works and our Credit Guide.
We don’t lend or give credit advice
Your Finance Guide is a finance education publisher. We are not a lender or a broker, we don’t hold an Australian Credit Licence and we don’t provide credit assistance.
One YFG Approved broker, within one business day
Your enquiry goes to one licensed broker who has passed our standard, not a list of lenders. They call within one business day, already knowing your answers, and we check in with you afterwards. There is no obligation to go ahead.
How we are paid
Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. Brokers are usually also paid a commission by the lender when a loan settles, so ask the broker how they are paid.
Questions about getting matched
Can't see your question here? Tell us your situation and a YFG Approved broker will talk it through with you, free.
Find me a vetted brokerIs the matching service really free?
Yes, for you, always. Licensed brokers who meet our criteria pay us a partnership fee to receive enquiries from this site. You never pay us.
Are you tied to any bank, lender or insurer?
No. Your Finance Guide has no ownership ties to any bank, lender or insurer. Every broker partner is licensed under the National Credit Act, either holding an Australian Credit Licence or acting as a credit representative of a licensee.
Why only one match? Why not show me 5 options?
Comparison spam is exhausting. Our job is to know our network well enough that one introduction is the right one. If we get it wrong, we re-match, no charge, no awkwardness.
How do you choose the brokers?
Every broker is YFG Approved. Our founder, Andy McMaster, spends over two hours one on one with each broker before they receive enquiries, making sure they know their profession and how to write loans. We check their references, client reviews and accreditations, and look up their Australian Credit Licence or credit representative number on ASIC's register; they are members of the Australian Financial Complaints Authority (AFCA). After your first call we ask how it went, and a broker who falls short loses their approval. Approved brokers pay a partnership fee to receive enquiries; you never pay us.
What happens after I get matched?
Your broker partner calls within one business day, already knowing your answers. The first conversation is free. You decide whether to go ahead, and if not, tell us why so we improve.