Australian premium residential neighbourhood mortgage home loan aerial
ASIC Registered · ACN 662 869 203 · Est. 2022

Free Home Loan
Borrowing Capacity
Assessment for Australians

One-on-one professional mortgage broking for Australian citizens and PRs. Low deposit loans, refinance rate cuts, first-home-buyer guidance and specialist rates for medical, teaching, accounting and legal professionals.

Sharpest rate negotiationNo hidden fees1-on-1 dedicated broker
Get Free Borrowing EstimateMeet Your Broker
Registered with ASIC under the Corporations Act 2001. Zero hidden charges — end-to-end transparency.
Sound familiar?

The home loan journey shouldn't feel like a maze.

Every Australian buyer we've spoken to has hit at least one of these walls. You are not alone — and every one of them is solvable with the right broker in your corner.

Confused by 40+ lender options

Lost in a maze of interest rates, LMI, offset accounts and cashback offers with no clear winner.

Paying too much interest

Stuck with an old rate while banks quietly reward new customers with much sharper deals.

Complex paperwork & rejections

Endless documents, unclear serviceability rules, and unexplained bank rejections wasting weeks.

Deposit & stamp duty stress

Not sure how much you can actually borrow or which government grants and concessions you qualify for.

First home buyer overwhelm

Grants, FHSSS, guarantor loans, low deposit — too many rules and no one explains them clearly.

Hidden fees & bad advice

Brokers pushing you toward the highest-commission lender instead of the loan that fits your life.

What we do for you

Eight ways we protect your money and win you the loan.

Every service below is included at zero cost to eligible Australian citizens and permanent residents.

01

Full Loan Strategy Planning

We map your income, expenses, savings and goals into a step-by-step loan roadmap tailored to your Australian lifestyle.

03

Approval Rate Optimisation

We restructure your borrowing profile so your file lands on the desk of the lender most likely to approve you first time.

06

Refinance & Investment Uplift

Early repayment planning, offset strategy, equity release and refinance-to-invest — designed to grow long term wealth.

08

Ongoing Annual Rate Review

We re-benchmark your loan every 12 months so you never quietly drift onto an uncompetitive rate again.

Dongting Xu founder Infinitum Finance Australian mortgage broker portrait
Dongting Xu
Founder, Director & Secretary
Founder's story

We built the mortgage broker
we wish we'd had.

When Dongting Xu bought his first home in Melbourne, he lived through every pitfall Australian buyers know too well: unexplained bank rejections, overpriced insurance bundles, and brokers who quietly favoured the lender paying them the highest commission.

On 4 October 2022, he registered INFINITUM FINANCE SOLUTIONS PTY LTD with ASIC in Victoria — with one clear mission: build the most transparent, cost-honest mortgage brokerage in Australia.

Today, our team helps Australian citizens and permanent residents across Sydney, Melbourne, Brisbane, Perth and Adelaide secure smarter loans — without ever charging clients a service fee.

ASIC Registered
Corporations Act 2001
500+ Families
40+ Lenders
6 Major Cities
Since Oct 2022
Read the full company profile
Who we serve

Loan strategies built around your life stage.

Whether you're chasing your first home or your fifth investment property, we match you with the sharpest lender for your profile.

First Home Buyers

FHSSS, First Home Guarantee & state grants — we walk you through every scheme you qualify for.

  • 5% deposit options
  • Government grant checks
  • Stamp duty concession

Owner Occupiers

Upgrading, downsizing or moving suburbs — we structure your loan for long-term flexibility.

  • Offset & redraw setup
  • Fixed vs variable strategy
  • Bridging loan support

Construction & Custom Build

Progress payment loans for house-and-land, knock-down rebuild and custom builds Australia-wide.

  • Progress payment plans
  • Land + build packages
  • Builder contract review

Property Investors

Multi-property portfolios, LMI-free structures and cash flow-positive lending strategies.

  • Equity release
  • Interest-only planning
  • Cross-collateral review

Refinance & Cashback

Cut your rate, unlock equity and pocket lender cashback offers — often within 21 days.

  • Rate benchmark report
  • Cashback offer scan
  • Zero switching stress
Professional Loan Package

Exclusive rates & LMI waivers for medical, teaching, accounting and legal professionals.

Qualifying professionals can access up to 90% LVR without LMI, sharper base rates and priority underwriting through our specialist lender panel.

Medical
Teachers
Accountants
Lawyers
100% Free · Australian Citizens & PR Only · Zero Service Fee

Everything on this page — completely free to eligible Aussies.

We're paid by lenders upon successful settlement. That means you get expert brokerage from planning to settlement without ever paying us a cent.

01

Free Borrowing Capacity Assessment

Get a data-driven number of how much every lender on our panel will lend you — before you commit.

Included at $0
02

Free Custom Loan Strategy

A written strategy comparing at least three lenders, rate options and repayment scenarios for your goals.

Included at $0
03

Free Dedicated Broker Match

You'll be paired with one Australian mortgage broker who owns your case from enquiry to settlement.

Included at $0
04

Free Government Policy Guidance

FHSSS, First Home Guarantee, stamp duty concessions and state grants — decoded for your situation.

Included at $0
Eligibility is simple: Australian citizens & permanent residents.
A single 15-minute conversation is all it takes to know exactly where you stand.
Claim My Free Assessment