MyBudget Loans

MyBudget Loans is the lending arm of the MyBudget group — a mortgage and personal loan broker that compares products across a panel of lenders rather than offering you one bank's shelf.

Book a 15-minute call, or call 08 8215 7519.

What it can help with

Getting into your own home sooner

The lending team can help you navigate home buyer schemes, find a loan that suits your position and assist with the application itself.

Reducing your repayments

A free Home Loan Health Check reviews your current mortgage and looks for savings across the available options. MyBudget Loans publishes an average saving of $10,000 in repayments per year for clients who refinance through it — this is MyBudget's own figure, and the actual saving depends on your existing loan, the rate you move to, the loan term and your circumstances. It is not a guaranteed or typical outcome for every borrower.

Simplifying multiple debts

Debt consolidation restructures multiple repayments into one loan. It can reduce stress and, where the rate and fees genuinely work in your favour, cost. It is not automatically cheaper — consolidating a short-term debt into a long-term loan can increase what you pay overall, so it is worth checking the total cost rather than just the monthly figure.

Lending where the file is not straightforward

MyBudget Loans includes specialists in non-conforming lending — loans for borrowers whose credit history means the mainstream options do not fit.

Construction and renovation

Funding for construction and home renovation loans is available in progressive payments to builders.

The lender panel

MyBudget Loans works with over 15 major Australian lenders, including NAB, Westpac, ANZ and Pepper Money, comparing hundreds of products to look for a competitive rate and terms. A bank can only offer you its own products; a broker can compare across the panel.

Why it sits alongside a budget

Most brokers arrange the loan and move on. Because MyBudget Loans sits within the MyBudget group, lending can be considered alongside the budget that has to service it — which is the part that determines whether a loan actually helps.

Where borrowing is not the right answer, the alternative is a personalised budget and money management plan rather than a new debt.

Important information

MyBudget Loans Pty Ltd is a related entity within the MyBudget group of companies and operates as a broker. Broking is conducted under the LMG aggregator arrangement, and the applicable consumer privacy policy is the LMG Consumer Privacy Policy, linked from the MyBudget Loans page.

MyBudget is not a licensed financial adviser and does not provide personal advice on investments, superannuation, insurance or financial products.

Approval, rates and terms are subject to the lender's own assessment of your application. No loan outcome is guaranteed.

Get started

Call 08 8215 7519 or book a free 15-minute consultation. MyBudget Loans lines are open Monday to Thursday 8:00am – 7:00pm and Friday 8:00am – 5:30pm (AEST).