100% Free • Expert Brokers • Bank-Grade Security

Get Your Dream Loan— Faster, Easier, Safer

We connect you with the perfect broker who'll find your best rates. Apply once, get matched instantly, and close your loan faster.

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Home Loans

Your dream home is just an approval away

Why borrowers choose Owly

Everything you need for a smooth, secure loan application process.

Compare multiple lenders

Your broker searches across hundreds of lenders to find you the best rates and terms.

Expert broker matching

Get matched with experienced brokers who specialize in your loan type and location.

Serious about security

Bank‑grade encryption, local hosting, and real‑time monitoring. Your data is yours—we never sell it.

Apply once, get multiple options

Fill out your details once, and your broker presents you with the best loan options from multiple lenders

Better loan outcomes

Get access to competitive rates and terms you might not find on your own

Transparent process

Track your application status in real-time from start to finish

Always compliant

Built to meet Australian lending and privacy regulations

All types of loans

Whatever your borrowing needs, we'll match you with the perfect broker

Home Purchase

First home, upgrading, or downsizing - find the best home loan rates

Refinancing

Lower your rate, reduce repayments, or access equity in your home

Investment Property

Build your property portfolio with specialist investment loans

Car Loans

New or used vehicles with competitive rates and flexible terms

Personal Loans

Weddings, travel, renovations - get funds for life's important moments

Business Loans

Equipment, expansion, or working capital for your business growth

How Owly works

Get matched with the perfect broker in 4 simple steps.

Step 1

Create your profile

Tell us about your loan needs in minutes. Choose your loan type, property details, and financial situation.

10 minutes 100% Free
Step 2

Get matched instantly

We find the perfect broker for your situation based on location, expertise, and loan type.

Encrypted One-time
Step 3

Compare your options

Your broker finds you the best rates from multiple lenders and presents clear, personalized options.

Multiple lenders Best rates
Step 4

Get approved faster

Close your loan with expert guidance. Your broker handles the paperwork and negotiations.

Expert support Faster approval

What borrowers say

Real success stories from 2,500+ Australians who found their dream loan through Owly.

"Owly made finding the right broker so easy. I didn't have to repeat my story 5 times to different lenders! My broker Sarah was incredibly patient and found us the perfect home loan."

"I saved $300/month on my mortgage by refinancing through Owly. My broker found me a rate I never knew existed! The whole process took just 3 weeks from start to settlement."

"Getting a business loan was always a headache until I found Owly. My broker Nadia was incredibly professional and made the entire process smooth. Got approved in just 5 days!"

"We were first home buyers and everything was new to us. Our broker Arif gave us daily updates and answered every question patiently. Never experienced such service before!"

"Needed a car loan urgently. Applied on Owly and got approved in just 3 days! The rate was better than what my bank offered. Super convenient - did everything online."

"My credit score was low so many banks rejected me. Owly's broker understood my situation and found a specialist lender. Now I'm a proud homeowner! Allah bless them!"

"From first conversation to settlement, Nick was exceptional. Deep industry knowledge with clear, proactive communication. Made the entire process smooth and stress-free."

"Great website and all the documentation was digital and easy to submit. Our broker was extremely efficient and very transparent. Will definitely use their services again!"

"Owly made finding the right broker so easy. I didn't have to repeat my story 5 times to different lenders! My broker Sarah was incredibly patient and found us the perfect home loan."

"I saved $300/month on my mortgage by refinancing through Owly. My broker found me a rate I never knew existed! The whole process took just 3 weeks from start to settlement."

"Getting a business loan was always a headache until I found Owly. My broker Nadia was incredibly professional and made the entire process smooth. Got approved in just 5 days!"

"We were first home buyers and everything was new to us. Our broker Arif gave us daily updates and answered every question patiently. Never experienced such service before!"

"Used Owly for my investment property purchase. My broker Shamim showed me options I would never have found myself. Now I own two investment properties thanks to his guidance!"

"The website is so user-friendly. Completed my application in just 5 minutes. Then a broker called and answered all my questions. No hidden fees, everything transparent!"

"My parents don't speak English well. Owly's broker spoke with them in their language and explained everything in simple terms. This level of customer care is rare in Australia!"

"Needed a personal loan for wedding expenses. Got approved within 48 hours through Owly! The interest rate was the best in the market. Comfortably paying off now. Thank you!"

"As self-employed, getting home loan was difficult. Many banks said no. But Owly's broker found specialist lenders who understand self-employed. Now I'm in my own home!"

"My experience with Owly was outstanding. My broker Rumana was patient on every call and explained everything clearly. Even after settlement, she followed up. Truly rare personal touch!"

"We've now used Owly twice to refinance our home loan. Each time the broker goes above and beyond. Their dedication makes the process smooth and stress-free. Highly recommend!"

"The broker was very helpful and always quick to respond to my many questions. Explained everything in an easy way and found the best loan for our specific situation. Honest and reliable!"

"Used Owly for my investment property purchase. My broker Shamim showed me options I would never have found myself. Now I own two investment properties thanks to his guidance!"

"The website is so user-friendly. Completed my application in just 5 minutes. Then a broker called and answered all my questions. No hidden fees, everything transparent!"

"My parents don't speak English well. Owly's broker spoke with them in their language and explained everything in simple terms. This level of customer care is rare in Australia!"

"Needed a personal loan for wedding expenses. Got approved within 48 hours through Owly! The interest rate was the best in the market. Comfortably paying off now. Thank you!"

Data safety with Owly

Industry standards and best practices to keep your information safe.

256‑bit TLS encryption

Multi‑layered security with bank-grade encryption protocols protecting all data in transit and at rest.

Complete data ownership

Your personal data is yours—we never sell it to third parties. You control what's shared and with whom.

Compliance & audits

Fully compliant with Privacy Act, Australian Consumer Law, and NCCP regulations. Regular security audits.

Encryption Status

Active & Secure

Compliance Check

100% Compliant

Data Location

Australia Only

Real-time security monitoring dashboard

Frequently Asked Questions

Everything you need to know about Owly

How does Owly work?

Owly connects you with expert mortgage brokers. Simply create your profile, tell us about your loan needs, and we'll instantly match you with a broker who specializes in your loan type and location. Your broker then finds you the best rates from multiple lenders.

What types of loans can I get help with?

We help with all types of loans including home purchases, refinancing, investment properties, car loans, personal loans, equipment financing, business loans, and lines of credit. Whatever your borrowing needs, we'll match you with a broker who specializes in that area.

Is my data safe?

Absolutely. We use 256-bit TLS encryption (the same standard as banks), store all data in certified Australian data centres, conduct regular security audits, and never sell your data to third parties. You remain in full control of your information at all times.

Is Owly really free for borrowers?

Yes, absolutely! Owly is completely free for borrowers—no hidden fees, no charges, no obligations. Our brokers are paid by lenders, not by you, so you get expert advice and access to competitive rates at zero cost.

How long does the matching process take?

Once a borrower completes their profile, matching happens instantly. Most borrowers hear from their matched broker within 24 hours, often much sooner. The entire process from sign-up to broker contact typically takes less than one business day.

Still have questions?

Get in touch with our team

Ready to Get Your Dream Loan?

Join 2,500+ happy borrowers who found better rates through Owly. Get matched with expert brokers in minutes.

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Get Your Dream Loan— Faster, Easier, Safer