We Help You With…

  • Principle and Interest or Interest Only repayments
  • Variable or Fixed rates
  • Offset accounts
  • Redraw facilities

No one likes complicated loans. 


That’s why we’re dedicated to making it simple. 


If you’re looking for your first home, thinking about investing or need a new car… we’ll match you with the right loan and explain it in plain English.


You won’t walk away confused.

We're different…

Honesty & Understanding

We take the time to understand your situation. And we’ll tell you if a loan is not for you.

Trust & Expertise

Over 1,000 happy clients who are now investors, renovators, first home and new car owners.

Faster & Simpler

No complicated financial-speak. Just simple loans that you can pay off flexibly!

Need to find the right loan fast?

We can help.

Request a free consultation


What types of loans do you find?

We can help you wirth home loans, investment loans, car loans and personal loans.

What’s the difference between fixed and variable rates?

A variable rate loan, the interest rate you pay can change at any time, either up or down, in line with official interest rates set by the Reserve Bank of Australia. Market circumstances and competition between lenders can also lead to interest rate changes, which can affect the interest rate of your loan. You can lock a variable rate into a fixed rate at any time. 

A fixed rate loan locks in your interest (fixes it) so it doesn’t change. This usually lasts for a period, often a few years. Then, you’ll get a chance to change your rate strategy. 

What are the main reasons people need a loan?

People typically apply for a loan to:

  • Purchase a house 
  • Buy an investment property
  • Refinance an existing home loan
  • Consolidate other debts
  • Buying cars
  • Holidays
  • Weddings

We can explain how this works in detail during a consultation.

How is Fluent Finance different?

When you work with us, you get real people, hunting down the right loan, not push-button computer programs.

And if the loan isn’t right, we won’t recommend it to you – that’s our commitment.

We also like to keep things personal. You’ll always get one-on-one service, because we want you to be our client for life.

How much do you charge?

We find and match you with the right loan for free. However, a fee may apply for specialised loans

For the vast majority of loans, we don’t charge you – we charge the lenders.