Smart. Service. Simplified. Three words we've worked to since 2018, and the test for every loan we place. Scroll through what they look like in practice.

No forms, no credit check, no pitch. Suvidh or one of the brokers asks what you're trying to do over the next few years, not just the next purchase, and tells you plainly what lenders will and won't do.
Day 0 · freeBorrowing power, loan structure, a deposit path and the move after this one. You get it in writing so you can take it to your partner, your accountant or your mum.
Days 1–3Your scenario runs against the whole AFG panel, then gets a human read: which lender actually likes your income type, your property, your timeline. Trade-offs explained in plain English.
Days 3–5The team lodges, chases and negotiates, and your broker stays across every call. Every milestone is a message to your phone, not a surprise at the end.
Typically 1–2 weeksEvery loan gets an annual review, because the one that suits you today won't suit you forever. That's the part most brokers skip. And every settlement plants a tree in a local ecosystem through Reforest, our give-back program.
And every year afterFrom first call to keys. A cinch.
I'm cinchi, Cinch Loans' AI assistant. I explain how Australian home loans and finance work, and when a question needs a current figure I check trusted sources like MoneySmart, Housing Australia, the RBA and the state revenue offices, and show you where it came from. Suvidh and the team give the actual advice. Your questions are saved so they can pick up where we left off, and when a question needs a person, I'll put you straight through on WhatsApp.
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cinchi is an AI assistant. It can be wrong. Figures are quoted from the source shown and change over time. Nothing here is personal credit advice or an offer of credit. Credit Guide · Privacy · Talk to Suvidh