The Smarter Way to Get a Loan
Not all lenders are equal. Here is why over 12,000 individuals and businesses chose Business & House Loan — and why 68% come back for their next loan.
Why Thousands Choose Us Over the Banks
Reason 01 — Whole of Market
Unlike your bank which only offers its own products, we search a panel of 60+ lenders to find the most competitive rate for your exact situation.
Reason 02 — Decisions in 48hrs
Our digital application and direct lender relationships mean most clients receive a decision within 48 hours — weeks ahead of traditional banks.
Reason 03 — Your Own Adviser
From the moment you apply, a named expert is assigned to your case. They handle everything, answer every question and stay with you from application to completion.
Reason 04 — Fully Regulated
We are fully authorised and regulated (FRN: 987654). Every recommendation we make is governed by financial regulations and you are legally protected at all times.
Reason 05 — Zero Hidden Fees
Every cost is disclosed upfront before you commit to anything. No small-print arrangement fees. No surprise charges at the end. The number we quote is the number you pay.
Reason 06 — All Credit Welcomed
We work with specialist lenders who genuinely consider all credit histories — late payments, defaults, self-employed income and discharged bankruptcies.
Reason 07 — Bank-Grade Security
Your personal and financial data is protected by 256-bit SSL encryption — the same standard used by major banks. Two-factor authentication included.
Reason 08 — 4.9/5 Verified Rating
Over 4,200 verified reviews on Google, Trustpilot and Feefo — rated 4.9 out of 5. 88% of reviews are 5-star and 68% of clients return for their next loan.
Us vs. Traditional Banks
| Feature | 🏦 Business & House Loan | 🏛️ Traditional Bank | 🌐 Comparison Site |
|---|---|---|---|
| Whole-of-market access | ✓ 60+ lenders | ✗ Own products only | ~ Limited panel |
| Average decision time | ✓ 48 hours | ✗ 2–4 weeks | ~ Varies widely |
| Personal named adviser | ✓ Always | ✗ Call centre only | ✗ None |
| Regulated advice | ✓ Fully regulated | ✓ Regulated | ~ Referral only |
| All credit histories | ✓ Yes, including adverse | ✗ Mostly declined | ~ Some lenders |
| Application fee | ✓ $0 — free to apply | ~ Often charged | ✓ Usually free |
| Self-employed applicants | ✓ Specialist lenders | ✗ Strict criteria | ~ Limited |
| Client satisfaction score | ✓ 4.9/5 · 4,218 reviews | ~ 3.5–4.2/5 | ~ 3.8–4.4/5 |
Trusted by Thousands of Clients
Over 4,200 verified reviews across Google, Trustpilot and Feefo — rated 4.9/5.
“Applied Monday, had a mortgage offer by Wednesday. The process was explained clearly and the rate beat everything I found elsewhere.”
“Needed $180,000 USD for a business acquisition. Approved in 48 hours, funds released four days later. Outstanding service.”
“Remortgaged when my fixed rate ended. They found a deal saving me $340/month. Completed in just 12 days online.”
What Our Clients Say About Us
Over 4,200 verified reviews across Google, Trustpilot and Feefo. Here is a small selection of what our clients tell us after completing their loan or mortgage.
“I had been rejected by two banks. Business & House Loan found me a lender in three days and saved me $290 a month compared to my old mortgage.”
“As a freelancer, mortgages always seemed impossible. My adviser found a specialist lender, explained everything clearly and we completed in 6 weeks.”
“Needed $150K for business expansion fast. Approved in 36 hours, in my account on day four. No bank could come close to that speed or the rate.”