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Get a better home loan,

Help protect our wildlife.

We compare lenders, fight for your rate, and donate to protect animals. 

Prefer a quick chat? Call us.

Answer a 2-minute survey and see how your home loan stands in the market

Why choose us

  • Compare 75+ Lenders

    So your rate is always top of the line.

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  • Real humans, end-to-end

    Making sure you have our personal touch in every deal.

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  • Negotiated rates and policy fit

    We’ll get you deals you wouldn’t be able to get directly.

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Our Services

  • A man with a beard and long hair in a bun playing guitar and a woman with blonde hair sitting on the floor with a mug, in a cozy room with wooden windows and curtains, and a plant stand with white pots.

    First Home Buyers

    Step into your first home with guidance and ideal lender choice.

    get my options
  • A smiling woman with big curly hair in an orange sweater talks to a man chopping cherry tomatoes in a kitchen.

    Refinancing Your Mortgage

    Lower your rate, cut repayments, or unlock equity to get ahead.

    get my options
  • A family of four on a bed, with a little girl taking a photo of her parents holding a newborn.

    Investor Loans

    Finance strategies to grow your portfolio and maximise returns.

    get my options
  • Two construction workers wearing white helmets and bright orange shirts working on a sandy construction site.

    Self-Employed Clients

    Tailored solutions for business owners and freelancers, even with new ABNs

    get my options

Our Most Competitive Rates

Owner-Occupied

Variable
5.19%

Comparison Rate
5.20%


Fixed (2-year)
4.79%

Comparison Rate
6.15%


Investment

Variable
5.39%

Comparison Rate
5.40%


Fixed (2-year)
4.99%

Comparison Rate
6.58%


3 Reasons You’ll Love Working with Us

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No fees for Our Service, Ever

At Echidna Equity, we believe that professional mortgage advice shouldn't come with a price tag. We get paid by the lender after your loan settles. No hidden fees, no surprises.

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Cashback or Conservation, You Choose

When your loan settles, you decide how your mortgage gives back: take up to $2,000 cashback, or opt to support our partner, the Australian Wildlife Conservancy (AWC), with a 25% donation of our upfront commission.

Brad Leue - AWC

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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.

Contact Us

We’re excited to connect! Whether you’re a client, partner, or just curious about Echidna Equity, we’d love to hear from you. Reach out today, and let’s see how we can work together to make a difference. Welcome to our community!

Recognized 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. His had commission, which made things even harder.

But we knew there had to be a way.

We searched high and low, fought hard on their behalf, and finally found a lender that saw what we saw, a strong application and a family with real potential. No work history needed. Full commission income accepted.

The result? A refinance that saved them over $250,000.

Now they’re already working on their fourth investment property. Couldn’t be happier for them.

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“We don’t consider the job done until clients start defying gravity.”

-Tom Williams, 2025

This isn’t a stock photo. Emma wanted a new car, but the dealer hit her with a brutal 9% interest rate. We took one look at that and said, absolutely not.

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… literally.

When the service is this good, staying on the ground is optional.

Our Process

  • A soccer ball with intricate black and gold patterns caught in the net of a goalpost as it is about to go in, under a partly cloudy sky.

    Tell us your goal

    Over a quick call or email

  • A person shopping for assorted candies at a store, with multiple bins filled with colorful individually wrapped candies and gum.

    Choose your lender

    We’ll do our research and give you options

  • A hand holding a white envelope on a light blue background.

    Submit Documents

    We’ll send over our applicable checklist

  • A person signs a document with a silver pen, on a wooden table with a bouquet of white flowers nearby.

    Sign and Settlement

    Final touches and enjoy your new home loan

Let's get started

Meet the Team

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Tom Williams
Founder & Director

Bachelor of Commerce
Cert IV - Finance and Mortgage Broking

Lorenzo Suarez
Partner

Bachelor in Applied Finance
Cert IV - Finance and Mortgage Broking

About Echidna Equity

Discover what makes Echidna Equity different. We're not just a mortgage brokerage; 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.

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Ready to Start Your Home Journey? Let’s Connect!

Your dream home is just a conversation away. Book an appointment with our experienced mortgage advisors at Echidna Equity, and let's explore the ideal financing options tailored to your needs. Whether you're buying your first home, refinancing, or investing, we're here to guide you every step of the way. Schedule your consultation today and take the first step towards securing your future.

How the RBA Rate Cut Affects You

The Reserve Bank has cut rates, now what does this mean for your mortgage, savings, and financial future? 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 instant access by entering your details below!