Find the right loan
without the legwork
Tell us what you need. Our AI analyses 2,000+ lender policies and finds your best 3 matches — with your personal details kept private until you say go.
From first click to settlement
Six clear steps. No surprises, no hidden stages. Here's exactly what happens when you get matched.
Share Your Story
Answer a few quick questions about your financial goals — whether it's a home loan, business funding, car finance, or something else. This takes about 2 minutes and has zero impact on your credit score.
Credit Guide & Privacy Consent
Before we do anything else, we send you our Credit Guide and Privacy Consent. These explain how we work, how we're paid, and how your information is handled. You sign the consent — and only then do we start working on your match.
Fact-Finding & We Do the Heavy Lifting
We collect more detailed information about your financial position and have a conversation about your needs, objectives, and the product features that matter to you. This can be conducted in a meeting or online. Our AI then analyses your situation against 2,000+ policy documents from our panel of 50+ lenders to identify the products that genuinely fit.
Lender Negotiation & Top 3 Matches
Where possible, we contact lenders directly to negotiate broker-only rate discounts that aren't available to the public. We then prepare a shortlist of the three products that best fit your situation — ranked by suitability, not by which lender pays us most.
Walk Through the Results
We walk through the recommended options with you, explaining why each was chosen and how they compare on rate, fees, features, and approval likelihood. Once you're happy with the recommendation, we obtain your written permission to proceed with the application.
Application Submission & Settlement
We prepare a professional credit write-up and submit your application to the lender. We manage the entire process — chasing any additional documents the lender requests, answering lender queries, coordinating with solicitors — until settlement day and beyond.
Why use a broker instead of going direct?
75% of Australians now use a broker for their home loan. Here's why.
Access to 50+ Lenders
Banks only offer their own products. We compare options across major banks, credit unions, and specialist lenders to find the one that fits you — not the one that fits them.
No Cost to You
Our service is free. The lender pays us a commission when your loan settles — this is standard across the industry and fully disclosed upfront. You get expert advice at no extra cost.
Protect Your Credit Score
Every loan application creates a credit enquiry. Shopping around yourself can leave a trail that hurts your score. We assess your situation first and apply only where you're most likely to be approved.
Best Interest Duty
Australian law requires brokers to act in your best interest — not the lender's. This means we're legally obligated to recommend the product that's right for you, with priority given to your needs above all else.
Save Hours of Research
Comparing loans yourself means reading dozens of PDSs, rate schedules, and eligibility criteria. We do this work for you — our AI reads and cross-references thousands of documents so you don't have to.
Support That Lasts
Our relationship doesn't end at settlement. We monitor your loan, alert you when better options appear, and help you refinance when it makes sense. Think of us as your ongoing finance partner.
Your privacy comes first
How we protect your data
When our AI matches you with lenders, it works with a de-identified version of your profile. Your name, date of birth, and address are stripped before any analysis runs. Personal details are only shared with a lender after you've reviewed the Credit Guide, given your consent, and agreed to proceed.
- Personal identifiers stripped during AI matching
- Information only shared with your explicit consent
- Credit Guide and Privacy Consent provided before any data sharing
- You control what happens at every step
Regulatory compliance
Jokuda operates under Australian Credit Licence requirements. We are bound by the National Consumer Credit Protection Act, the Best Interest Duty, and the Australian Privacy Principles. This isn't optional — it's the law, and we take it seriously.
- Best Interest Duty — we must recommend what's right for you
- Australian Privacy Principles compliance
- National Consumer Credit Protection Act
- Full fee and commission disclosure
Going direct vs using Jokuda
| Going direct | With Jokuda | |
|---|---|---|
| Lenders compared | 1 | 50+ |
| Products available | Their range only | Full market |
| Cost to you | Free | Free |
| Policy knowledge | Sales staff | AI + broker expertise |
| Credit score impact | Enquiry per application | Targeted — one application |
| Legal obligation | Sell their products | Best Interest Duty |
| Post-settlement support | Retention team (if you call) | Ongoing reviews & alerts |
Ready to find your match?
It takes 2 minutes. No credit check, no obligation, and no cost. Just the best products for your situation.