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General Questions

Owly Finance is Australia's leading loan matching platform that connects consumers seeking loans with qualified, licensed mortgage brokers. We make it easy to compare options and find the right loan for your needs—all for free.

Our intelligent matching algorithm analyzes your loan requirements and matches you with up to 3 expert brokers who specialize in your loan type and location. This saves you time and helps you get better loan terms.

🎯

Smart Matching

💰

100% Free

⚡

Fast Process

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Yes! Our service is 100% free for consumers.

You will never be charged for:

Submitting a loan application
Being matched with brokers
Using our calculators
Getting loan quotes

💡 How we make money: We earn revenue from brokers who pay to access quality leads. This allows us to keep our service completely free for you.

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Application Process

The process typically follows this timeline:

1

Application Submission

5-10 minutes

Complete our simple 5-step online form

2

Instant Matching

Immediate

We match you with up to 3 qualified brokers

3

Broker Contact

24-48 hours

Matched brokers will reach out to you

4

Loan Processing

2-4 weeks

Your chosen broker works on getting you approved

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You'll need the following documents to complete your application:

Identification

  • Driver's license or passport
  • Medicare card

Income Proof

  • Recent payslips (last 3 months)
  • Tax returns (for self-employed)

Financial Statements

  • Bank statements (last 3 months)
  • Credit card statements

Property Documents

  • Contract of sale (if purchasing)
  • Property valuation
💡

Pro Tip: You can start your application now and upload documents later when requested by your broker.

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About Brokers

Our intelligent matching algorithm considers multiple factors to find the perfect broker for you:

🎯

Specialization

Brokers who specialize in your loan type

📍

Location

Licensed to operate in your state

⭐

Performance

Track record and success rates

⚡

Availability

Current capacity for new clients

💰

Loan Size

Experience with your loan range

👍

Reviews

Customer ratings and feedback

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Absolutely! You have complete control.

Here's how the process works:

  1. 1 We match you with up to 3 qualified brokers
  2. 2 Each broker will reach out within 24-48 hours
  3. 3 You can speak with all of them and compare
  4. 4 Choose the broker you're most comfortable with
  5. ✓ No obligation to work with anyone you don't want to

💡 Tip: You can also request additional broker matches if you're not satisfied with the initial options.

Security & Privacy

Yes! We take your privacy and security extremely seriously.

🔐

256-bit SSL

Bank-level encryption

🛡️

Privacy Laws

Strict compliance

🇦🇺

Local Data

Stored in Australia

We use the same encryption standards as major banks to ensure your personal and financial information is always protected. Your data is never sold to third-party marketing lists.

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Loan Types

We connect you with brokers who specialize in a wide range of financing options:

🏠

Home Loans

First home buyers, refinancing, and investment properties.

🚗

Car Loans

New or used cars, private sales, and dealership finance.

💼

Business Loans

Equipment finance, startup capital, and expansion loans.

🏖️

Personal Loans

Holidays, weddings, debt consolidation, and more.

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Yes! Refinancing is one of our most popular requests.

Our brokers can help you review your current loan and potentially find a better deal with:

  • Lower interest rates
  • Reduced monthly repayments
  • Access to equity (cash out)
  • Better loan features (offset accounts, redraw, etc.)
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Still have questions?

Our team is available 24/7 to help you with any questions you may have about your loan application.

Contact Support Start Application

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