Simple Process
How GoSearch.Loans Works
We sit before the broker conversation. Our platform helps you understand your options and position — before you pick up the phone.
Tell Us About Your Situation
Enter your loan amount, income type, credit profile, and deposit size. No credit check required at this stage — we just need enough to show relevant lender options.
This takes around 30 seconds. We never ask for your tax file number, bank account details, or full personal information at this stage.
Browse Lender Options
See a curated list of non-conforming lenders whose products may suit your profile, with indicative rates, loan features, and context tags.
Context tags like "Credit Impaired OK", "Low Doc", and "FIFO Friendly" help you quickly identify which lenders are built for your situation.
Check Your Readiness Score
Use our free Borrower Readiness Score to get a general indicator of how lenders might view your profile across income, credit, deposit, and risk factors.
This is a general indicator only — not a credit score or pre-approval. It helps you understand which factors to focus on before approaching a lender.
Connect with a Lender
When you're ready, click through to a lender's website or submit an enquiry. We route you directly — no middleman, no call centre.
You may then choose to apply directly with the lender or speak to a licensed mortgage broker. GoSearch.Loans does not assess your application.
FAQ
Common Questions
Is GoSearch.Loans free to use?
Yes. Using our platform is completely free. We earn revenue from lenders when we refer borrowers to them. See How We Make Money for full transparency.
Will using GoSearch.Loans affect my credit score?
No. Browsing rates and using our tools does not involve a credit check and will not affect your credit score. Only a formal lender application triggers a credit inquiry.
Are the rates shown accurate?
Rates are indicative only, sourced from publicly available lender information. They may not reflect current offerings. Always verify directly with the lender before applying.
Do you compare all lenders in Australia?
No. Our panel is limited to selected lender partners. Some lenders may not be listed. We recommend checking lenders directly if you have a specific lender in mind.
Can you help me apply for a loan?
No. GoSearch.Loans does not hold an Australian Credit Licence and cannot assist with loan applications or provide credit advice. We connect you with lenders — the application process is handled directly between you and the lender.
What is a non-conforming loan?
A non-conforming loan is one that doesn't meet the standard lending criteria of major banks — for example, because of a credit impairment, non-standard income, low deposit, or complex financial situation. Non-conforming lenders specialise in assessing these cases.