Your personal mortgage advocate
Home loans, made weightless.
Looksi is a mortgage broker that gives the underestimated the upper hand. We compare suitable options across 60+ lenders — the majors and the specialists — to give you leverage with your current lender, or a better fit elsewhere. Knocked back by a bank, or paying too much where you are? Let's take a look.
- No credit check to start
- 60+ lenders, one search
- Bound by a Best Interests Duty
Our panel of 60+ lenders includes
What you actually get.
Four numbers, no documents, no credit check — and live lender policy comes back with the options genuinely available to you today.
Not a rate calculator. Real matches.
Four numbers, no documents, no credit check — and live lender policy comes back with the options genuinely available to you today.
How it works
- // STEP 01
Tell us about you
A quick form — what you're after and where you're up to. Takes a couple of minutes.
- // STEP 02
A 15-minute call
We talk through your situation and what's possible. No jargon, no pressure.
- // STEP 03
We compare our lender panel
We look for suitable options across our panel of 60+ lenders and explain, in plain language, why we're recommending them.
- // STEP 04
We handle it to settlement
Application, paperwork, back-and-forth with the lender — we carry it, and keep you posted.
- // STEP 05
We've got you
After settlement, we'll check in every so often to make sure everything's still tracking well. You can get in touch anytime.
Want to see it before you start?
Rehearse a refinance end to end, from first call to settlement, so none of it is new when you do it for real.
Ruki De Silva — Founder & your broker
Ruki De Silva founded Looksi and is a licensed credit representative. He and Looksi's team guide you from the first conversation through to settlement, with straight answers and plain-English updates.
- Licensed Credit Representative (573517)
- Chartered Financial Analyst (CFA)
- Monash University: Accounting / Banking & Finance
Frequently asked questions
Does it cost me anything, and how does Looksi get paid?
Looksi doesn't charge you a broker fee. If your loan settles, the lender pays us a commission — that's how we're paid. Lender and third-party fees may still apply, and we're legally required to act in your best interests when we recommend a loan.
Will talking to you affect my credit score?
No — there's no credit check to start. We only run a credit check later, with your consent, once you've chosen to move ahead.
How many lenders do you compare?
We compare suitable options from our panel of 60+ lenders — the major banks plus specialist and non-bank lenders like Liberty and Pepper, which is often where people who don't fit a single bank's rules find a good option.
My bank said no. Can you still help?
Often, yes. A “no” from one bank is usually about that bank's specific rules or product range — not about you. We compare suitable options across our lender panel to find a lender whose criteria fit your situation.
Do you work with self-employed borrowers?
Yes. Self-employed and non-standard income is exactly where a broker earns their keep — our specialist and non-bank lenders have products built for it.
How long does it take?
The first call is 15 minutes and we move quickly from there. Timeframes depend on your situation and the lender, but we'll give you a clear picture up front and keep you updated throughout.
What is the Test Drive?
It's a free, interactive walkthrough that lets you rehearse a mortgage refinance end-to-end in about 10 minutes — no sign-up, and no personal financial details. We measure how the Test Drive is used so we can improve it. It's educational only: a preview of what the process looks and feels like, not a real application, and it isn't connected to real lenders or your real numbers. When you're ready to do the real thing, get in touch and we'll take it from there.
What do I need to get started?
Just the short form and a quick chat. When we're ready to compare options we'll ask for the usual documents (ID, income, statements) — you only need to provide them once, not to every lender.
Is my information safe?
We limit access to people who need it and encrypt information in transit. We don't sell personal information or use it to train generative AI models. See our Privacy Policy for how information is collected, stored and shared.
What areas do you cover?
Australia-wide.
Who is Looksi?
Looksi is a licensed mortgage broking service. Homei Fi Pty Ltd (ABN 26 691 328 499), Credit Representative 573517 under Australian Credit Licence 486112 (Purple Circle Financial Services Pty Ltd). We're paid by lenders, we work for you, and we're bound by a Best Interests Duty to put your interests first.
Find out who'll lend to you.
Answer a few quick questions, then choose a time for a 15-minute call. No cost, no obligation.
* The cashback is a share of trail commission, paid at Looksi's discretion — up to 10bps (0.10%) p.a. on the value of your loan net of money held in offset. Available only on loans settled through Looksi with a panel lender from which we receive commission; applied as a rebate, not a reduction in the lender's interest rate; the same fixed amount regardless of lender, so it never affects our recommendation. Not a rate, not a guarantee of any payment, and may be varied, suspended or withdrawn at any time. May be assessable for investment loans — not tax advice; check with your accountant. Subject to full terms.