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Let's identify your perfect home loan loan.

We negotiate lower rates with the banks for you.

Compare online in 30 seconds. This will not affect your credit rating.

Home loan rates starting at...

3.63% p.a.

Special Variable Rate*

3.64% p.a.

Comparison Rate

Investment rates starting at...

3.63% p.a.

Special Variable Rate*

3.64% p.a.

Comparison Rate

40+ Lenders on our panel
Secure and confidential
We negotiate lower rates

Instant Online Comparison

View Results Online Instantly

We update our rates daily so you can always view the latest best available rates for both Investment and Owner-occupied loans.

Get Help If You Need It

Our service is 100% free. We can help qualify you for the loan, organise the paperwork, and answer any questions you might have about the products.

Broker Exclusives

Some of the loan products we have access to are exclusive to a select broker channel.

We negotiate better rates with more than 40 lenders for you

Plus many more!
Plus many more!

We'll help you identify and apply for the right loan at a great rate.

We're with you every step of the way

We take the time to understand your needs, recommend a great loan, prepare the paperwork, and manage the application through until settlement and beyond - saving you both time and money.

Valuable service at no cost

Our service is completely free to you.

We can negotiate better rates

We have strong relationships with many major lenders, which allows us to negotiate better rates than what you may be able to receive by going direct.

We're here to help

Unlike some of the online-only mortgage brokers out there, we're happy to assist you in whichever way is most convenient. We can help over the phone, we can come to see you, or you can visit us at our Surry Hills office.

The Loan Base Mortgage Process

Initial Review

We will conduct a quick review of your current situation over the phone. As part of this, we will gather high-level information about your current financial position and lending objectives. This will allow us to perform research into your scenario.

Proposal Preparation & Presentation

We will spend time researching your situation. This may involve us speaking with lenders to clarify lending policy, or to seek an exception or discretionary pricing for your particular circumstance. Once we have completed our research, we will then present our findings to you - either over the phone (ideally via computer screen-share) or in person.

Decision Time

Once we have presented you with our findings and recommendations, you can then take as much time as you need to consider your options. If and when you choose to proceed with the recommended solution, or any other solution from our panel of over 40 lenders, we'll move onto step 4.

Full Fact Find & Supporting Documentation

In order to prepare your loan application we will need to complete what is known as a "fact find". This will include gathering details around all relevant personal details, including current assets, income, and liabilities. We will also need to gather supporting documentation for your application which may include identification, payslips, tax returns and so on.

Application Submission through until Settlement

Once we have all of the necessary information and documents, we will prepare and lodge your application with the lender. We will then regularly follow up on this application until the loan has settled.

Regular Reviews

As premium brokers, we closely monitor your loans to ensure your finances are optimised relative to your circumstances and objectives. In some cases, we can help minimise your interest by refinancing to a new lender or negotiating discounts with your current lender. Essentially, we act as your trusted mortgage advisor, keeping an eye on the market so you don't have to.

Who We Are

Chris Gillis · Loan Base Principal

B. Com (Hons), ADFS (Fin. Planning), Cert IV (Fin. / M. Broking)

Premium Mortgage Broking Practice

We pride ourselves on being an accessible premium broking practice, with a keen focus on the sometimes complex lending needs of our clients.

Extensive Financial Experience

Our Principal, Chris Gillis, has over a decade of financial services experience - including 7 years as a financial planner. Having formerly worked for 2 of the major banks, Chris has an intimate understanding of the lending system.

Truly Independent

Loan Base has been founded with the goal of providing clients with the best possible unbiased financial assistance. You can be assured that our recommendations are based on merit and not brokers trying to meet quotas for their preferred lender.

Physical Presence

We're a real bricks & mortar broking practice with a physical presence. We are extremely flexible and happy to organise a face-to-face meeting or work with you over the phone & via e-mail.

Home loan rates starting at...

3.63% p.a.

Special Variable Rate*

3.64% p.a.

Comparison Rate

Investment rates starting at...

3.63% p.a.

Special Variable Rate*

3.64% p.a.

Comparison Rate

We can assist with many needs including...


Home Loans

Investment Loans

Ex-pat Lending

Guarantor Loans

Low-Doc Loans

Commercial Loans

Request a call back

Speak to us face to face or on the phone.

Our Principal Broker will attempt to contact you to discuss your lending needs. Our Privacy Policy explains how we store personal information. We will never sell your details to a third party.

Reviews from some of our recent clients

Definitely using Loan Base again
Reviewed 15/02/2018 by Tracy T
The team at Loan Base always went out of their way to meet and exceed my expectations and handled my refinance request very efficiently. I never got the impression that there were other clients more important than me as the team was always available to respond my queries.

When the lender indicated they would shortly be increasing their fixed rates, Chris managed to organise a last-minute rate lock for me, which was finalised just before the fixed rate would have otherwise increased substantially. I will definitely be using Loan Base for all of my mortgage needs going forward.
Very knowledgeable and helpful
Reviewed 06/03/2018 by Terry M
I had a challenging case and was almost on the verge of getting another decline from the bank. However, the guys at Loan Base were very persistent, and due to their exceptional knowledge and work with the lender, my loan was finally approved.

I am so thankful for the exceptional work ethic and perseverance. They helped me every step of the way, guided me through out the whole process and reassured me when I was beginning to panic. I cannot thank you enough. Loan Base gets 5 star for service and I highly recommend them.

Secured me the best rate I've ever had
Reviewed 30/10/2017 by Alyson H
I was recently assisted by Chris and the team from Loan Base. Their communication, attention to detail and patience along with their sound knowledge and experience of the loan business made my purchase stress free and easy.

I was kept well-informed throughout the entire application, and I have no hesitation recommending Loan Base to others seeking assistance with a home loan. I will never be going directly to the banks again!
Highly recommended
Reviewed 15/11/2017 by James G
After taking some unpaid leave to go on holidays, my bank unexpectedly knocked me back for the full investment property mortgage I was hoping for. Loan Base managed to get me pre-approval for a much higher loan amount with a different lender, with minimal issues or fuss!

In addition to this, the team there are very knowledgeable, genuinely care about their clients, and always seem happy to discuss investment strategies and property prospects with me - all without charging me anything; so I would recommend them to anyone needing help with a mortgage in a heartbeat!

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