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.
Book a Free Consultation
$450M+
funded
70+
lenders on panel
11+ Years
expertise
4.9★
client rating
Property Matcher
ESTIMATED
SERVICEABLE AMOUNT
$1,250,000
Calculated on average household
surplus
70+ Panel
Top Lenders
Fast Track
Pre-Approval
Owner
Occupier
5.84% p.a.
Lender
Rates Compared
70+ Checked
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
Session
70+
Lenders, 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 20+ 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
1
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.
2
Borrowing Assessment
We assess your borrowing power and match your situation against
lender policies to find your best-fit options.
3
Your Recommendation
You get clear, side-by-side loan comparisons and a plain-English
recommendation — so you can decide with confidence.
4
Approval & Settlement
We manage the whole thing: lenders, solicitors, agents and
paperwork. You just watch it move.
5
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.
Gross Monthly Income (Household)
Monthly Living Expenses
Other Monthly Debts (Credit Cards/Loans)
Estimated Borrowing Capacity
$793,000
Assessed Monthly Surplus
$5,600
Assumed Buffer Rate
8.50% p.a.
Loan Term
30 Years
Apply For
Formal Pre-Approval
Estimation uses current APRA serviceability buffer guidelines (3%
above standard reference rates). Actual results vary by lender policy.
Loan Amount
Interest Rate
Loan Term
Repayment Structure
Estimated Repayment
$4,002 /
mo
Total Principal Paid
$650,000
Total Interest Paid
$790,820
Total Cost of Loan
$1,440,820
Find a Lower
Rate Product
Property Purchase Value
Australian State / Territory
Property Intended Use
Are you a First Home Buyer?
Calculated Stamp Duty
$33,180
Government Transfer Fee
$150
Mortgage Registration Fee
$165
Total Government Fees
$33,495
See if You
Qualify for Exemptions
Estimations are calculated based on standard progressive tax
scales and exemptions of respective state revenue offices as of 2026.
Current Loan Balance
Current Interest Rate
New Offered Interest Rate
Remaining Term
Estimated Monthly Saving
$495 / mo
Annual Repayment Savings
$5,940
Lifetime Interest Savings
$148,500
Current Repayment
$4,312
New Repayment
$3,817
Book a Rate
Pressure Test
Saved Cash Deposit
Pre-Approved / Target Loan Amount
First Home Buyer Status
Total Property Purchase Budget
$688,500
Cash Deposit + Loan
$720,000
Est. Stamp Duty & Fees
$31,500
LVR (Loan-to-Value Ratio)
83.3%
Find Lenders
at 83% LVR
Real Results, Made Simple
“Ritesh and Kurush made our first home purchase completely
stress-free. Clear advice, quick approval, and someone on the other end of the phone
whenever we needed them.”
Manula P., Adelaide
“Our new loan was approved within 24 hours of sending
documents. Genuinely didn’t think it could be that easy. Highly recommend Ritesh and his
team.”
Sarah & David K., Oakleigh
“I’ve dealt with a lot of brokers over the years. Ritesh
and his team are easily the best — they actually explain options side-by-side rather
than pushing one product.”
Tony H., Mount Barker
“They went above and beyond to get us the best deal and
kept us in the loop the whole way through. Absolute pros.”
Property Investor, Brunswick
“Ritesh and Kurush were amazing to work with. They made the
refinance process seamless and saved us thousands on our annual repayments. Highly
recommended!”
Jessica & Liam S., Highbury
“Exceptional service. As a self-employed buyer, I had a
complex structure, but Ritesh knew exactly which lenders to approach. Couldn’t have done
it without them.”
David R., Adelaide
★★★★★
Rated 4.9/5 across 380+ client reviews
Meet Your Broker
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.
$450M+
Loans Settled
70+
Lender Panel
11+
Years Expertise
Ritesh Soni
Founder & Principal Broker · Urban Loans
Questions? We’ve Got Answers
No, it doesn’t cost anything to use a broker. We’re paid by the lender when your loan
settles, so our service is free to you — and we’ll always tell you upfront if anything’s
different.
It depends on your income, expenses, deposit, and the lender. Try our Borrowing Capacity
calculator above to see a quick estimation, then book a call for an exact, comprehensive
assessment.
Many of our clients get conditional pre-approval within days. We’ll give you a realistic
timeline matching your chosen lender’s service times from day one.
Absolutely. With 70+ lenders on panel, we specialise in finding solutions for credit
situations that major retail banks might mark as “outside profile.”