Get a better home loan.
Help protect our habitats.
Based in Sydney, we compare lenders Australia-wide, fight for your rate, and donate to protect animals.
See what's possible for your home loan.
Estimate your repayments or your borrowing power. Either way, we'll help you turn the number into a plan.
For illustration only. Rates and fees vary. Speak with a broker for a personalised assessment.
Estimate only. Actual borrowing capacity depends on lender assessment, credit history, and other factors.
Four steps, start to settlement.
Tell us your goal
Over a quick call or email.
Choose your lender
We'll do our research and give you options.
Submit documents
We'll send over our applicable checklist.
Sign and settlement
Final touches, then enjoy your new home loan.
The difference is in how we work.
Compare 75+ Lenders
So your rate is always top of the line, with multiple options.
Real humans, from first call to final signature
Making sure you have our personal touch in every deal.
Negotiated rates and policy fit
We'll get you deals you wouldn't be able to get directly.
Whatever the file looks like, we've got a lane for it.
Refinancing Your Mortgage
Lower your rate, cut repayments, or unlock equity to get ahead.
Get my options →
Self-Employed Clients
Tailored solutions for business owners and freelancers, even with new ABNs.
Get my options →
Bridging Loans
Bridging finance so you can move on the right property without waiting on your current one to settle.
Get my options →
Expat Loans
We help Australian expats in the Philippines and around the world with their home loans.
Get my options →Rates that work as hard as we do.
As of August 2026.
Owner-Occupied
Investment
*Comparison rates calculated on a $150,000 loan over a 25-year term. Comparison rates do not include all fees and charges and may not apply to every product or amount. Fees may include application, ongoing, government charges, lenders mortgage insurance, and third-party costs. Credit criteria, terms and conditions apply. Rates, fees and features are subject to change. General information only, it does not account for individual objectives, situation or needs.
Good service. Better cause.
No Cost to You on Home Loans
We're paid by the lender after your home loan settles, not by you, so there's no invoice, no hourly rate, and no hidden fee.
Photo: Brad Leue / Australian Wildlife ConservancyHome Loans Helping Habitats
Home loans helping habitats is more than a tagline, it's the operating principle behind Echidna Equity. Each year we donate a portion of our profits to the Australian Wildlife Conservancy, funding on-the-ground conservation across Australia.
Personal Service That Delivers
From start to finish, we're here for you. Our team negotiates with 75+ lenders, tailors the right solution, and makes sure you're confident at every step of the journey.
A portion of our profits each year goes directly to the Australian Wildlife Conservancy, funding on-the-ground conservation across Australia. Larger settlements add to that contribution through our upfront commission.
What people say after settlement.
"Would highly recommend Lorenzo! Excellent service from start to finish, highly communicative and made the whole process easy as a FHB. Would definitely recommend to others."
"Excellent service and clear communication, Lorenzo provided reliable support throughout my entire settlement process. The wildlife advocacy is the cherry on top. 10/10 would broker again."
"Lorenzo at Echidna Equity was outstanding from start to finish. He guided us through our home purchase with clear, prompt communication at every stage, pre-approval, formal approval, right through to settlement. Nothing was ever left hanging, he answered questions quickly and kept us informed without us having to chase. He made a complex process feel manageable and got everything locked in on time. We love our new home and the journey attaining it was smooth and exciting, opposed to hard and stressful, and we owe that to Lorenzo's oversight and guidance. If you're looking for a mortgage broker who is responsive, thorough, and genuinely easy to deal with, Lorenzo is the one. Highly recommended and thanks again Lorenzo and Echidna Equity!"
"As a first home buyer in Sydney, I fumbled around with the entire process not knowing what to do to get started until I came across Echidna Equity. Lorenzo made an overwhelming process feel so simple and easy, I'm still in awe how much of my initial stress just vanished because of his help. He was always understanding and encouraging throughout the process, explaining every step in detail and the potential bank options. He answered all my questions, even the silly ones asked at late hours of the night, and I'd be pleasantly surprised with a super prompt response every time, even after work hours. I highly recommend Echidna Equity, and especially Lorenzo. I can't think of a single negative moment working with him, 5/5 stars easily well deserved. Now I know who I'll be referring my siblings to once they decide to dip into the home owner scene."
"Tom and Lorenzo were phenomenal. Never had a broker respond so fast to my queries. Helpful, informative, and never let me go a day without a response. As a first home buyer in Sydney I was really inexperienced, but I didn't feel that way after working with these guys. Kudos as well for helping with the environment!"
"My partner and I recently purchased our dream home with Lorenzo's help, navigating a challenging market during a volatile period. What could have been stressful turned out to be surprisingly smooth, and that's entirely down to Lorenzo's professionalism and genuine care. Throughout the 3-month process, he was incredibly responsive and stayed calm whenever unexpected issues popped up, which in this market, they did. Rather than deflecting problems, he tackled each one head-on and made sure we felt supported every step of the way. His approach felt personal and tailored to our situation, not like we were just another transaction. We were new to the process of buying a house, and he ensured we understood each step along the way. If you're looking for a mortgage broker who combines expertise with real integrity, Lorenzo is the one. We'd give 10 stars if it were an option!"
Recognised by the industry, backed by real results.
From Stuck to Scaling: $250,000 Saved and Counting
When we met John G and Sandra, they were juggling a $1.6 million loan, with big plans but a few hurdles in the way. Sandra was about to start a new job, and most lenders didn't want to count her income. We searched high and low, fought hard on their behalf, and finally found a lender that saw a strong application and a family with real potential. The result: a refinance that saved them over $250,000. Now they're already working on their fourth investment property.
Emma's Story: From 9% Car Loan Rate to Smart Equity Use
Emma wanted a new car, but the dealer hit her with a brutal 9% interest rate. Instead, we restructured everything: refinanced her home loan, saved her money with a better rate, and used her equity the smart way to get the car without the ridiculous interest. Now, instead of overpaying, she's jumping for joy.
The two people who'll actually work your file.
Tom Williams
Lorenzo Suarez
Not just a mortgage brokerage.
Discover what makes Echidna Equity different. We're a team committed to your financial success and the protection of our planet. Learn more about our mission, values, and how we give back.
Let's connect.
Your dream home is just a conversation away. Book an appointment with our experienced mortgage advisors, and let's explore the ideal financing options tailored to your needs.
Guides worth ten minutes of your time.
Everything you're wondering before you call.
Does it cost anything to use a mortgage broker?+
For home loans, no. We're paid by the lender once your loan settles, not by you, so there's no invoice or hourly rate. On some consumer and asset finance loans, like car loans, a broker fee can apply since lender commission alone doesn't always cover the work involved. We'll always disclose any fee upfront before you commit to anything.
How many lenders do you actually compare?+
We compare 75+ lenders, from the major banks to specialist and non-bank lenders, so we can match your situation to the right policy and rate rather than a one-size-fits-all product.
How long does the process take, from application to settlement?+
Most straightforward loans move from application to formal approval within one to two weeks, with settlement typically four to six weeks after that. Complex files, such as self-employed income or bridging finance, can take longer, and we'll flag any delays as soon as we see them.
Can you help if I'm self-employed, an investor, or living overseas?+
Yes. We regularly place loans for self-employed borrowers and new ABNs, investors building a portfolio, and Australian expats based overseas, including in the Philippines. Each scenario has different lender policies, and we know which ones say yes.
How does the conservation donation actually work?+
Each year, Echidna Equity donates a portion of our profits to the Australian Wildlife Conservancy, with larger settlements adding to that contribution through our upfront commission. You get the same lender comparison and service either way. The donation comes from us, not from your loan.
How the RBA rate change affects you.
The Reserve Bank has changed rates. Download our free, professionally-prepared guide to discover how you can take advantage of lower rates, reduce your loan costs, and make smarter financial moves.
Get a better home loan.
Help protect our habitats.
We're excited to connect. Reach out today, and let's see how we can work together to make a difference.