Borrow with
your eyes open.
We compare 30+ lenders to find your rate, then show you exactly what it costs — before you commit to anything. Advice is free; the clarity is the whole point.
Repayment estimator
See your monthly number.
Estimated monthly repayment
$3,067
Total repaid
$1,104,120
Total interest
$604,120
Estimate only — principal & interest, excludes fees and lender-specific terms. Your actual rate depends on your circumstances.
What we arrange
Every type of lending, one broker.
Whatever stage you're at — buying, building, refinancing or expanding — we find the loan that fits.
How it works
From first chat to keys in hand.
Tell us your goals
A free 20-minute chat about what you're buying, refinancing or building.
We compare lenders
We scan our panel of 30+ lenders for the rate and structure that suits you.
We handle the paperwork
Applications, documents, lender back-and-forth — all managed for you.
Settlement & beyond
We review your rate annually so you're never quietly overpaying.
$480m+
In home loans settled for local clients
Why borrowers choose Keel
On your side, not the bank's.
Keel Finance is independent — we're not owned by a bank and we don't push one lender over another. We're paid by the lender you choose, at no cost to you, so our job is simply to find the loan that actually fits your life.
- Independent advice — access to 30+ lenders, not just one bank's products.
- No cost to borrowers — our fee is paid by the lender at settlement.
- Local & local-run — a Melbourne team who knows the local market.
- Ongoing rate reviews — we check in annually so your rate stays competitive.
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Lenders on panel
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Loans settled
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Average rating ×10
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Years in local lending
What clients say
Real numbers, no surprises.
"They found us a rate almost a full point below what our bank offered, and explained every fee upfront. No pressure, just clear answers."
Aisha K.
"First home buyers, completely overwhelmed — Keel walked us through pre-approval to settlement without a single confusing moment."
Marco D.
"Refinanced our investment property in under three weeks. They chased the bank so we didn't have to."
Renee T.
FAQ
Good to know.
Does it cost anything to use a broker?
No — our advice is free. We're paid a commission by the lender you choose once your loan settles, not by you.
How long does pre-approval take?
Most clients get conditional pre-approval within a few business days of submitting their documents, often faster.
Can you help if I only have a small deposit?
Yes — we work with lenders offering low-deposit and guarantor options, and can talk through lender's mortgage insurance if it applies.
Do you only deal with the big banks?
Not at all. Our panel includes major banks, second-tier lenders and specialist lenders — whoever fits your situation best.
Ready to see your real rate?
Book a free, no-obligation chat with a broker — most calls take 20 minutes and you'll walk away knowing exactly where you stand.
Thanks — a broker will call you back shortly.
Or call (03) 9000 4420 directly.
