AI-Powered Analysis

Smarter loans.
Better rates.

Our AI analyses 50+ lenders in seconds to find your best match. Then a broker with 30 years of experience makes the final call. Technology and expertise, working together.

50+
Lenders Analysed
30yr
Broker Experience
<60s
AI Analysis Time
AI Analysis Complete Live
Commonwealth Bank
98% match score
5.89%
Comp: 6.17%
Macquarie Bank
95% match score
5.94%
Comp: 6.22%
ING Direct
93% match score
5.99%
Comp: 6.28%
ANZ
91% match score
6.04%
Comp: 6.31%
Bankwest
89% match score
6.09%
Comp: 6.35%

Run the numbers
before you call.

Get instant estimates on borrowing capacity and repayments. These calculators give you a starting point. Our AI and broker will refine the numbers for your exact scenario.

$685,000
Based on your inputs
Monthly Repayment $4,108
Debt-to-Income Ratio 41%
Buffer Rate (+2%) $5,016
Get Exact Numbers
$3,597
Variable rate
Weekly $830
Fortnightly $1,660
Total Interest $694,920
Total Repayments $1,294,920
Compare Rates Now

From enquiry to settlement,
intelligently streamlined.

Our process combines AI-driven analysis with decades of hands-on broking expertise. The boring bits are automated. The important decisions are human.

01
🔍

Tell Us Your Scenario

Share your details through our smart form or chat with our AI assistant. It takes under two minutes to get started.

02

AI Analyses 50+ Lenders

Our AI instantly scans policies, rates, and criteria across every major lender. It narrows the field to your best options in seconds.

03
🧠

Expert Broker Finalises

A broker with 30 years of experience reviews the shortlist. Because it is not always about rate. The right lender matters.

04
🏠

Settlement & Beyond

We manage the application from approval through to settlement, and keep monitoring your loan to make sure you always have the best deal.

Every loan type,
one intelligent platform.

Whether you are buying your first home, refinancing, or building an investment portfolio, our AI finds the right structure across every major lender.

🏡

Home Loans

Owner-occupied lending with AI-optimised rate matching. Fixed, variable, or split options tailored to your situation.

🔄

Refinancing

Our AI continuously monitors rates. If there is a better deal, we will find it and handle the switch.

📈

Investment Loans

Build your portfolio with lending structures optimised for tax efficiency and maximum borrowing capacity.

🏢

Commercial

Business premises, development finance, and commercial property. Complex scenarios solved with AI-assisted lender matching.

🔑

First Home Buyers

Navigate grants, schemes, and stamp duty concessions. Our AI ensures you do not miss any entitlements or savings.

🏗️

Construction Loans

Progressive drawdown facilities with competitive rates. We match builders and borrowers with the right lender for new builds.

Trusted by homeowners
across Australia.

★★★★★
"Eddie made the whole process so easy. The AI analysis showed us options we never would have found on our own. Saved us thousands over the life of our loan."
JM
James M.
2 weeks ago
★★★★★
"As a first home buyer I was overwhelmed. Eddie explained everything clearly and the technology behind the scenes gave me confidence we were getting the best deal possible."
SR
Sarah R.
1 month ago
★★★★★
"I have used Eddie for three investment properties now. His experience combined with the AI-powered analysis means I always know I am with the right lender for each property."
DK
David K.
3 weeks ago
★★★★★
"Refinanced through AI Mortgages and the savings were immediate. Eddie found a rate I did not even know existed. Highly recommend to anyone."
LP
Lisa P.
1 week ago
★★★★★
"The speed was unbelievable. Within an hour of my first call, Eddie had a shortlist of lenders perfectly matched to my situation. Settled in three weeks."
MT
Michael T.
2 months ago
4.9 ★★★★★ Based on Google Reviews

Three decades of expertise,
amplified by AI.

👤
30+
Years
50+
Lenders
1000+
Clients

AI Mortgages was founded by Eddie Lloyd Jones, a mortgage broker with over 30 years in financial services, from the trading floors of Sydney to the front lines of lending.

Why AI?

The mortgage industry has thousands of products across dozens of lenders. No human can compare them all in real time. AI can. But AI cannot sit across the table from you, understand your family situation, or know that the cheapest rate is not always the best deal. That is where experience matters.

The AI Mortgages Approach

We use artificial intelligence to do the heavy lifting: scanning every lender, every policy, every rate. Then a seasoned broker reviews the shortlist and makes the final recommendation. You get the speed and precision of technology, backed by the judgement that only comes from three decades in the industry.

ACL 388238 30+ Years Experience LMG Aggregator 50+ Lender Panel

A partner your clients
will thank you for.

Real estate agents and solicitors trust AI Mortgages because our technology delivers faster pre-approvals, better rates, and a seamless client experience that reflects well on everyone involved.

🏠

Real Estate Agents

Faster pre-approvals mean faster settlements. Our AI analysis gives your buyers confidence and keeps deals moving. Send us a lead and we will have options ready the same day.

⚖️

Solicitors & Conveyancers

Clean applications, realistic timelines, and proactive communication. We handle finance so your property transactions close smoothly.

📊

Financial Planners

Lending structures aligned with your client's broader financial strategy. Our AI ensures the loan supports their long-term wealth plan, not just the transaction.

Let's find your
best deal.

Tell us a little about what you are looking for and we will come back to you with options. No obligations, no pressure.

📞

Call Us

0414 387 140

✉️

Email

elj@aimortgages.com.au

🕐

Available

Monday to Saturday, 8am to 7pm

Response Time

Same-day callback guaranteed

Ai
AI Mortgages Assistant
Online
Hi! I am the AI Mortgages assistant. I can help you with loan enquiries, rate comparisons, and connecting you with Eddie. What can I help you with today?