Personal Sydney broking. 75 lenders.
Real humans, start to finish.
Buying, refinancing or investing, Tom compares 75 lenders and fights for your rate, while Lorenzo looks after your file personally through to settlement and beyond. Complex income, new ABN, expat or visa holder? That's our specialty. Based in Sydney, helping clients right across Australia. No fees for our service.
Free, no obligation. We reply within one business day.
Why Echidna Equity
Most brokers disappear after settlement. We don't.
We're not a comparison website or a call centre. We're a two-person team, with Tom as your broker, and we keep our client load small on purpose, so every file gets handled personally from your first call to settlement day, and we keep checking your rate long after.
Compare 75 Lenders, One Conversation
Major banks, non-bank lenders and specialist products. We find the loan that fits your situation, not just whatever is easiest to put through.
No Fees for Our Service
The lender pays us once your loan settles. You pay nothing for our research, our negotiation or our time, and the consultation is free.
Real Humans, Start to Finish
Lorenzo or Tom handles your file directly. No junior processors, no queue. Once your documents are ready we can submit the same day.
Deals You Can't Get Direct
We know which lenders accept commission income, new ABNs, overseas income and temporary visas. That knowledge opens doors the banks close on their own.
Who We Help
Complex loans welcome. Simple ones made fast.
If a bank has already said no, or you're not sure where to start, that's exactly the right time to talk to us. Pick your situation and we'll tailor the conversation.
Refinancers
Lower your rate, cut repayments or unlock equity. We'll tell you honestly whether moving lenders is worth it, and if it isn't, we'll say so.
Check my rate →First Home Buyers
From deposit to keys, every step explained, including grants and schemes you may be eligible for in your state.
Start here →Property Investors
Structure lending correctly from the start so your borrowing power keeps working for property two, three and four.
Plan my next purchase →Self-Employed & New ABN
Business owners, contractors and commission earners, including newer ABNs that most banks won't look at yet.
See my options →Expats & Visa Holders
Living overseas or on a temporary visa? We know the lenders that will help, and we work across time zones so you can get it done from anywhere.
Talk to a broker →Bridging Loans
Buying before you sell? We structure bridging finance so you can secure the right property without waiting on your current one.
Explore bridging →Client Story
We approach every lender so you don't have to.
Results matter more than rate tables. Here's what happens when your broker doesn't give up.
From Stuck to Scaling: John and Sandra
John and Sandra came to us with a $1.6 million loan, big investment plans and two problems most lenders wouldn't touch. Sandra was starting a new job and John's income was commission-based. Every direct approach hit a wall. We found a lender that accepted full commission income with no employment history required, refinanced their loan and saved them over $250,000. They're now working on their fourth investment property.
Savings are estimated over the life of the loan. Every situation is different and results will vary.
How It Works
Four steps. No surprises.
You'll always know where your application stands and what comes next.
Free consultation
A 15-minute call. We listen to your goals before recommending anything.
We compare 75 lenders
You get a shortlist that fits your actual situation, with the trade-offs explained plainly.
Same-day submission
A clear document checklist, secure digital ID, and once you're ready we can lodge the same day.
Settle, then stay in touch
We see you through to settlement, then keep reviewing your rate so it never goes stale.
Home loans helping habitats.
Every year Echidna Equity donates a portion of our profits to the Australian Wildlife Conservancy, funding on-the-ground conservation across Australia. It has been part of how we do business since day one.
Switch to a greener lender and we'll cover your refinance costs.
For suitable loans, if you move to an environmentally responsible lender we cover your refinance costs. Same service, same rate fight, and your mortgage sits with a lender doing more good.
Ask about the green offer Eligibility, lender criteria and conditions apply.The Team
You'll always know who's working on your loan.
Wherever you are in Australia, every file is advised on by Tom, our broker, and managed day to day by Lorenzo, not passed to a junior processor or lost in a queue.
Lorenzo Suarez
Lorenzo is your main point of contact from first call to settlement. He keeps your paperwork moving, follows up the lender and makes sure you always know what happens next.
Clients regularly mention how quickly he replies, even after hours.
Cert IV Finance & Mortgage Broking
Tom Williams
Tom co-founded Echidna Equity with a clear brief: personal service, genuine lender access and a business that gives back. As our mortgage broker, Tom assesses every application and recommends the lender and loan structure that suit you.
When he says the job isn't done until clients start defying gravity, he means it literally.
Cert IV Finance & Mortgage Broking
Common Questions
Straight answers before you call.
If there are no fees, how do you get paid?
The lender pays us a commission once your loan settles. You don't pay us anything for advice, comparison or handling your application, and we'll tell you how we're paid before you proceed.
A bank already said no. Can you still help?
Often, yes. Banks assess against their own policy only. We know which of our 75 lenders accept commission income, new ABNs, overseas income and temporary visas, so a no from one bank is rarely the final answer.
I live overseas or I'm on a temporary visa. Is that a problem?
Not for us. We regularly help Australian expats and visa holders, and we work across time zones with secure digital ID verification, so you can get approved without flying home.
Do you only help people in Sydney?
No. We're based in Sydney but help clients across every state and territory. Everything from your first call to signing can be done by phone, video and secure digital ID, so where you live doesn't change the service you get.
How quickly can you move?
Once your documents are ready, we can submit the same day. Lender turnaround times vary, but we'll keep you updated at every stage.
Is refinancing actually worth it for me?
Sometimes it is and sometimes it isn't. In a free consultation we'll compare your current loan against the market and tell you honestly. If staying put is the better call, we'll say so.
Free Consultation
Speak to a broker today, wherever you are.
Sydney, Brisbane, Perth or a regional town, it makes no difference to how we work. Tell us a little about your situation and Lorenzo or Tom will be in touch within one business day. No obligation, no sales pitch, just a straight answer on what's possible.
Book a free consultation
Takes 30 seconds. We'll get back to you within one business day.
By submitting this form you consent to Echidna Equity contacting you regarding your enquiry. We do not share your details with third parties. General information only, this does not constitute financial advice.
Message received.
Lorenzo or Tom will be in touch within one business day. Need us sooner? Call 0485 981 099.
Find out what you could save.
Fifteen minutes with Lorenzo or Tom is usually all it takes to know if we can help. Free, no obligation, no fees.
Echidna Equity Pty Ltd ACN 678 592 713. Credit Representative Number 562940 of Australian Credit Licence 384704. Suite 302, 13/15 Wentworth Ave, Sydney NSW 2000. General information only. This does not constitute financial advice and does not take into account your objectives, financial situation or needs. Credit criteria, terms and conditions apply. Interest rates, fees and product features are subject to change without notice. Green Refinance Offer available on suitable loans only; eligibility and conditions apply.