Creditt was started in Sydney by mortgage brokers who were tired of watching people take the first loan they were offered, simply because no one explained the alternative.
Most people compare two or three loans before choosing one — usually whichever their own bank offers. Brokers exist because the market has hundreds of loan products, and the difference between them, over 30 years, can run into tens of thousands of dollars.
We're paid a commission by the lender once your loan settles, not by you. That means our incentive is to find you a loan you'll actually keep — because if you refinance away within a couple of years, we're often required to repay part of that commission ourselves.
We ask about your goals before we talk about rates. A lower rate with restrictive features isn't always the better deal, and we'll tell you when a cheaper-looking option comes with trade-offs that matter for your situation.
Every recommendation comes with a written comparison of the shortlisted options, so you can see exactly why we suggested what we did — not just take our word for it.
Comparison rate, LVR, offset account — we explain every term the first time it comes up, not after you ask.
Access to more than 20 lenders means the shortlist we bring you is based on fit, not on who our nearest branch is.
From pre-approval through to settlement, and for a check-in every year after, to see whether your loan still fits.
Creditt Pty Ltd (ABN 43 609 771 226) is a credit representative (Credit Representative Number 533758) authorised under AHL Investments Pty Ltd (ABN 27 105 265 861), holder of Australian Credit Licence 246786. Our brokers are members of the Mortgage & Finance Association of Australia (MFAA) and complete annual continuing professional development to stay current on lending standards and responsible lending obligations.
A short call is often enough to tell you whether it's worth applying at all.
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