What we do
Home loans, refinancing, investment lending, vehicle and equipment finance, self-employed lending and business funding. One local broker, 25+ lenders, and straight answers on what you can actually afford.
First home, next home, new build or renovation. We model your borrowing power across 25+ lenders and structure the loan around your goals - not just the cheapest headline rate.
Best suited to
First home buyers, upgraders, builders
Typical timing
Pre-approval in days, not weeks
If your rate no longer matches the market, we’ll show you exactly what switching could save - and handle the paperwork from discharge to settlement. See our Refinance Penrith page for the full process.
Best suited to
Anyone on the same rate for 2+ years
Typical timing
Savings modelled on the first call
Build or expand your property portfolio with loan structures tailored to investors - interest-only, negative gearing and cash-flow-aware lending.
Best suited to
First-time and repeat investors
Typical timing
Structure mapped before you buy
Cars, utes, trucks, trailers and equipment - fast approvals through lenders who understand trades, transport and small business.
Best suited to
Tradies, transport, small business
Typical timing
Same-day pre-approvals available
A simple, structured personal loan for renovations, a wedding, travel or consolidating high-interest debt into one manageable repayment.
Best suited to
Renovators, consolidators, life events
Typical timing
Options within 24 hours
Cash flow, commercial property, growth funding and equipment - from someone who has run a business and understands what lenders actually want to see.
Best suited to
Established businesses and buyers
Typical timing
Lender shortlist in 2-3 days
Contractors, sole traders and small business owners often have complex income. We know which lenders accept BAS, bank statements and accountant declarations.
Best suited to
ABN holders, sole traders, contractors
Typical timing
We tell you what evidence works
From owner-occupied warehouses to retail investments, we arrange commercial loans with terms and deposit requirements explained in plain English.
Best suited to
Owner-occupiers and commercial investors
Typical timing
Terms explained upfront
How it works
15 minutes on the phone or over coffee in Penrith. We learn your goal, timing and comfort level.
We compare 25+ lenders and show you the real numbers - repayments, fees and structure side by side.
We prepare, submit and chase the lender, keeping you updated at every milestone.
After settlement we benchmark your loan annually so you never drift onto a worse rate.
Why Borrowly
Calls returned the same day and clear timelines at every step. You’ll never chase us for an update on your own loan.
We explain what we recommend and why, in plain English. Rates, fees and commissions in writing before you commit.
We review your loan annually against the market, so you never quietly drift onto a worse rate.
Questions
A broker compares many lenders at once, including your bank. Lenders pay the broker, so for most home loans it costs you nothing, and you see options your bank cannot offer.
Many lenders accept 5% to 10% with Lenders Mortgage Insurance, and eligible first home buyers may use government schemes with 5% or less. A guarantor can also help. We work out the right option for you.
If you have not reviewed your rate in two years, there is a good chance a better deal exists. We compare your current loan with 25+ lenders, including switching costs, so you only move if it pays off.
Usually ID, recent payslips, bank statements, details of debts and your deposit savings. Self-employed borrowers typically provide tax returns, BAS or accountant letters. We give you a simple checklist.
For most home loans, our service is paid by the lender, so there is no direct cost to you. If a fee ever does apply, we’ll tell you in writing before any work begins.
Borrowing power depends on your income, expenses, deposit and existing debts. We run the numbers across 25+ lenders in one go, so you know your real budget before you shop.
Many of our clients receive conditional pre-approval within a few business days, sometimes sooner. It depends on how quickly we can gather your documents and the lender’s turnaround.
Yes. We work with lenders who accept BAS, bank statements, accountant letters and other alternative income evidence for self-employed borrowers.
No. We compare loans from a panel of 25+ banks and non-bank lenders, including major banks, credit unions and specialist lenders.
We’re based in Cambridge Gardens, Penrith and help clients across Western Sydney, the Blue Mountains and nationwide by phone and video.
