Skip the call.
Just say hi.
First home, refinance, looking at an investment. A quick sketch is fine — type what you need and you're in.
Skip the call.
Quick questions,
zero fluff.
Our assistant answers the quick stuff, runs any numbers you ask for, and makes sure your broker can reach you.
A real broker.
Named. Credentialled.
One of our licensed brokers takes over the chat. You're speaking to a person, not a script.
Compare. Decide.
Or just ask.
Get an answer and leave. Or keep going, all the way to settlement. $0 broker fee either way — your call.
LendChat
Usually replies in minutes
Today · just now
Hey — looking at refinancing my home loan 🏠
01 · Tell us where you're atSkip the call.
Skip the call.
Just say hi.
First home, refinance, looking at an investment. A quick sketch is fine — type what you need and you're in.
LendChat
Usually replies in minutes
Today · just now
Hey — looking at refinancing my home loan 🏠
02 · Atlas gets things movingQuick questions,
Quick questions,
zero fluff.
Our assistant answers the quick stuff, runs any numbers you ask for, and makes sure your broker can reach you.
Atlas
LendChat assistant
Hey — looking at refinancing my home loan 🏠
Got it. Rough remaining balance, and is this owner-occupied or investment?
Atlas · AI assistant
~$620k · owner-occ in Melbourne
Perfect — connecting you to a licensed broker now ✅
Atlas · AI assistant
03 · A broker picks it upA real broker.
A real broker.
Named. Credentialled.
One of our licensed brokers takes over the chat. You're speaking to a person, not a script.
Alex
Licensed broker · ACL 558418
Alex has joined the chat
Hey! I've got your notes from Atlas. Want me to pull a few refinance options for ~$620k?
Alex · licensed broker
Yes please 🙌
04 · Take it as far as you wantCompare. Decide.
Compare. Decide.
Or just ask.
Get an answer and leave. Or keep going, all the way to settlement. $0 broker fee either way — your call.
Alex
Licensed broker · ACL 558418
Two solid options under 5.8% — I can walk you through both, or we stop here. Your call 🙂
Alex · licensed broker
Walk me through — keen to see break-even
30+ lenders on the panel
Not one bank — a panel your broker can shop.
Representative panel — ask your broker what’s available for your situation.
Tools, on the house
Run the numbers yourself
About us
Most people have a mortgage question they haven't asked yet.
Maybe you haven't found the right moment. Maybe it felt like too big a commitment just to get a straight answer. Maybe you're not even sure if you're ready.
LendChat exists for exactly that moment — ask your question, and a licensed broker takes it from there.
Answers should be accessible.
Getting a straight answer about your mortgage shouldn't require an appointment or a callback form. So we made it as simple as opening a chat.
Simple from the first tap.
No forms, no phone tag, no runaround. Just open a chat and ask.
We take the stress out of it.
Finding the right home loan can feel overwhelming. We're here to make the process clear and manageable, every step of the way.
Questions
A few things people ask first
Yes. Brokers are paid a commission by the lender at settlement, not by you. There's no fee for chatting, asking questions, or getting a borrowing estimate, whether or not you go ahead.
Yes. Everything you share is encrypted in transit and stored securely. We don't sell your information or pass it to lenders without your say-so. If you close the chat without proceeding, your details aren't shared with anyone.
Yes. Atlas handles the common questions upfront — things like borrowing power, stamp duty, and repayment estimates — so you're not waiting around. When your situation needs a proper look, a licensed broker takes over the same chat. You're talking to a real person when it counts.
Yes. Every broker on LendChat holds an Australian Credit Licence (ACL) or operates as an authorised credit representative. You can ask for licence details directly in the chat.
If you want to keep going, your broker handles the fact find and paperwork through their usual process, then lodges with a lender on the panel that fits your situation. If you just wanted an answer, that's fine too. You can close the chat any time.
Ready when you are.
Open a chat, say what’s on your mind, and a licensed broker will meet you there.
Start chatting$0 broker fee · ACL 558418 · licensed AU brokers