How we help
Home, business and car loans, compared for you
From your first home to finance for your business, we compare 35+ lenders and set the loan up properly.
Home Loans
Finding the right home loan
Buying a home is the biggest financial decision most people make. We compare the lenders on our panel and find a loan that fits your budget now and what you plan to do later.
- Pre-approval, so you know your limit before you bid
- Rate, offset, redraw and structure explained in plain English
- We handle the lender, the paperwork and the chasing
Did you know?
The lowest advertised rate is not always the cheapest loan. Fees and the way the loan is set up count too.
First Home Buyers
Buying your first home
Grants, guarantees, deposit schemes, LMI. We walk you through every option you may be eligible for.
- First Home Guarantee
- First Home Owner Grant
- Low-deposit options
- Stamp duty concessions
- Genuine savings explained
Read our guide to Victoria's first home buyer schemes →
Specific situations: casual workers, rideshare drivers, guarantor loans, single parents, new permanent residents, after a credit default.
You may need less than you think
With the right scheme, some buyers can buy with a 5% deposit and no LMI.
Refinancing
Still on the rate you signed up for years ago?
We check your current loan against what is available now, and only recommend switching if it saves you money.
- Lower your repayments or pay your loan off faster
- Release equity for renovations or an investment
- Consolidate debts into one simpler repayment
A 10-minute review
A review costs you nothing. If your rate is high, we will tell you what else is out there.
Property Investment
Investment loans, set up to let you buy again
How the loan is set up, the equity you hold and what you can service all matter over time.
- Equity release
- Interest-only options
- Portfolio structuring
- SMSF lending
- Tax-effective setups
Buying inside a self managed super fund is a different structure again, with its own lender panel and its own rules. We write these ourselves rather than passing them on. There is a full explanation on our SMSF property loans page, including where our job stops and your accountant's begins.
Plan your next investmentSet up to keep buying
Investors who keep buying are usually the ones whose lending was set up for it from the start.
Business & Commercial
Business and commercial lending
We arrange commercial and business lending, set up correctly from the start.
- Commercial property loans
- Business loans
- Cashflow & debtor finance
- Equipment finance
Lenders for every industry
We know which lenders are approving in your industry right now.
Car & Asset Finance
Car loans without the dealership markup
We compare secured and unsecured options so you get a competitive rate.
- New and used vehicles, plus business equipment
- Approved quickly, so you are not left waiting
Get your finance approved first
If your finance is approved before you walk in, you only have to negotiate on the price.
Personal Loans
A personal loan you can afford to repay
We compare personal loan options across lenders to find a competitive rate and a comfortable repayment.
- Secured and unsecured options compared
- Debt consolidation to simplify your repayments
One simpler repayment
Rolling several debts into one personal loan can lower your repayments.
Insurance
Insurance for your income, your home and your family
We connect you with trusted, licensed insurance partners for life, income protection and general cover.
- Life insurance
- Income protection
- Home & contents
- Landlord cover
Insurance is arranged through licensed third-party partners. Exceed Finance does not provide insurance advice or issue insurance products.
Ask about insuranceLoan and insurance together
Most people arrange the loan and forget the insurance. We make sure you look at both.
Simple from start to finish
How it works
Free chat
We get to know your goals and borrowing power.
We compare
We search 35+ lenders and shortlist the options that fit.
We apply
We package and submit your application, and chase it for you.
Settlement
We see it through to approval, and stay in touch after.
Not sure which option is right?
Tell us your situation and we will tell you which option fits. It costs nothing.