Smarter Finance for the Life You're Building
From your first home to your next investment, Urban Loans matches you to the right loan from 70+ lenders — with clear advice, fast approvals, and zero jargon.
I want to…
Select a pathway below to view optimized lending structures tailored for your goals.
Buy my first home
Grants, low deposits, guarantor options →Refinance my loan
Lower rate, cash out, better structure →Invest in property
Structure to grow, not just borrow →Build or renovate
Construction & land package specialists →Finance a car or asset
Fast approvals on vehicles & equipment →Fund my business
Commercial & working-capital solutions →Lending Solutions Built Around You
First Home Buyers
Buying your first home shouldn't feel like decoding a foreign language. We break down deposits, grants and borrowing power into plain English — then do the heavy lifting for you.
- First Home Owner Grants & schemes
- Low-deposit and 5% options
- Guarantor & family-assisted strategies
Refinancing
Still on the same rate you signed up for years ago? You could be paying thousands more than you need to. We'll pressure-test your current loan and show you what's actually possible.
- Lower your rate & repayments
- Unlock equity for renovations or investing
- Consolidate and simplify debt
Property Investors
Whether it's your first investment or your fifth, structure is everything. We think in portfolios, not just single loans, matching tax strategies with borrowing limits.
- Tax-smart loan structuring
- Equity-release strategies to buy again
- Interest-only and offset optimisation
Construction & Land
Building is exciting — the finance shouldn't be the stressful part. We're specialists in construction lending and manage the drawdowns and certifications end to end.
- Progress-payment (drawdown) loans
- Fixed-price contract & turnkey funding
- Builder and solicitor coordination
Car & Asset Finance
Fast, competitive finance for the things that move your life and business forward. Access flexible terms and commercial pricing structures.
- New & used vehicle loans
- Equipment & machinery finance
- Same-week approvals
Business & Commercial
Funding that keeps your business moving forward, from inventory and cash flow to purchasing your own commercial premises.
- Commercial property loans
- Working capital & business loans
- Tailored lending for self-employed
Smart Brokerage Built For The Modern Era
We removed the branch-office runaround, the complex banker terminology, and the endless spreadsheets to build a loan approval path that respects your time.
Book Your Strategy SessionLenders, One Conversation
We're not tied to a single bank. With one of Australia's broadest lender panels, we find the product that fits your situation — not the one a branch happens to sell.
Smart Technology, Real People
We've built our process on tech that makes applications faster and more transparent — so you're never left wondering where your loan is up to.
Service That Sticks Around
You're not a transaction. We keep you updated as often as you like during the loan, then check in every year to make sure your rate and structure still stack up.
Compare 70+ Lenders All in One Place
From the big four to specialist and non-bank lenders, we compare them all so you don't have to.
Simple, Clear, and Handled for You
Discovery Call
We get to know your goals, your finances, and where you want to be. Free, no obligation, usually within hours of your enquiry.
Borrowing Assessment
We assess your borrowing power and match your situation against lender policies to find your best-fit options.
Your Recommendation
You get clear, side-by-side loan comparisons and a plain-English recommendation — so you can decide with confidence.
Approval & Settlement
We manage the whole thing: lenders, solicitors, agents and paperwork. You just watch it move.
Ongoing Reviews
We don't disappear at settlement. Annual check-ins keep your loan competitive as your life changes.
Crunch the Numbers Before You Commit
Free, professional mortgage tools to help you plan your property journey with confidence.
Estimation uses current APRA serviceability buffer guidelines (3% above standard reference rates). Actual results vary by lender policy.
Estimations are calculated based on standard progressive tax scales and exemptions of respective state revenue offices as of 2026.
Real Results, Made Simple
Ritesh Soni
Founder & Principal Broker
With 11+ years across banking and broking, Ritesh Soni founded Urban Loans on a simple idea: everyone deserves finance advice that's honest, clear, and genuinely in their corner.
Having helped settle $450M+ in home and investment lending, Ritesh pairs serious credit knowledge with the kind of personal service the big banks stopped offering years ago. Working across 70+ lenders — both on panel and off — his only job is finding what's right for you.
