Know which lender
will say yes,
before you apply.
Our AI finance brain reads your circumstances, objectives and needs, compares them against every product from 130+ lenders, and recommends the lender most likely to approve you. A licensed broker takes it from there.
NIK Finance Brain
Lender match analysis
Your circumstances and goals
Comparing lender policies
0 / 130+ lenders
Ranked by approval fit
Illustration only. Your matches are built from your Kreddi Score, Equifax credit file and live lender policy data, then checked by a licensed broker.
130+
Lenders compared
15 min
Online application
5.0 ★
Google rating
$0
Broker fees, always
How it works
One brain. Every lender.
Most brokers know a handful of lender policies well. Our AI knows all of them, all the time, and your broker starts from that head start.
It understands you
Your circumstances, objectives and needs: income, debts, deposit, credit file, and what you actually want the loan to do for you. Fifteen minutes, no credit impact.
It reads every lender policy
Serviceability rules, LVR limits, credit criteria and niches across 130+ lenders and their products, checked against your profile in real time. No guesswork, no shotgun applications.
It recommends, a broker confirms
You get a ranked shortlist led by the lender most likely to approve you. A licensed broker sanity-checks the match, handles the paperwork and gets you to settlement.
Your financial picture
See yourself exactly as lenders do
The brain works from the same data banks use to assess you. Nothing is a surprise at application time, because you saw it first.
Equifax credit report
Exactly what lenders see
Your full Equifax credit file: score, enquiries, defaults and repayment history, pulled the same way a bank pulls it when you apply.
CoreLogic property valuation
The same data source banks use
An instant CoreLogic AVM on your property, the valuation model lenders rely on, so your equity position is real, not a guess.
Estimated value
$1,240,000
Eligibility and borrowing power
How much, and with which lenders
Your true borrowing power calculated against each lender's own serviceability rules, with the lenders you actually qualify for today.
You could borrow up to
$918,000
23 eligible
lenders
Maximum borrowing varies by lender policy
Kreddi Score
Your finances, scored out of 1,000
One number for your whole financial position, plus a ranked list of exactly what is holding it back and what each fix is worth.
Platinum tier
Top 15% of Australians
The Kreddi Score
One score. A thousand points.
And exactly what is holding yours back.
A credit score tells you one thing. Your Kreddi Score reads your whole position across five categories, then shows what each fix is worth before you apply.
What is holding this score back
Credit card limits total $28,000
+26 ptsLenders count your full limits as debt, even when the cards sit unused.
Reduce or close unused limits
Loan-to-value ratio at 84%
+18 ptsAbove 80%, most lenders add loadings and lenders mortgage insurance.
A small top-up brings you under the threshold
Two credit enquiries in 90 days
+12 ptsRecent shopping around reads as risk on your Equifax file.
Pause applications, let the brain match you instead
824 today. 880 within reach.
Every point moves you up the lender rankings.
Loan products
Every loan. One brain.
Home, car, business, equipment, personal. Compared across 130+ lenders, matched by AI, settled by an experienced broker.
Powered by industry leaders
The data behind the brain
Equifax credit files, CoreLogic valuations, open banking feeds. The same trusted sources banks use, working for you instead.
Access to 130+ lenders
What our clients are saying
NIK Finance helped me refinance my home loan and save $420 a month. The broker really understood my situation.
Sarah M.
Homeowner, Sydney
I was knocked back by my bank, but NIK Finance found a lender that approved me within a week.
James T.
First Home Buyer
The financial health check showed me exactly where I stood and what to fix before applying. It changed everything.
Priya K.
Property Investor
Best broker experience I've had. No fees, fast turnaround, and they actually explained everything.
Marcus L.
Small Business Owner
I had no idea I had so many options. NIK Finance compared over 20 lenders for my car loan.
Emma R.
Car Finance Client
NIK Finance helped me refinance my home loan and save $420 a month. The broker really understood my situation.
Sarah M.
Homeowner, Sydney
I was knocked back by my bank, but NIK Finance found a lender that approved me within a week.
James T.
First Home Buyer
The financial health check showed me exactly where I stood and what to fix before applying. It changed everything.
Priya K.
Property Investor
Best broker experience I've had. No fees, fast turnaround, and they actually explained everything.
Marcus L.
Small Business Owner
I had no idea I had so many options. NIK Finance compared over 20 lenders for my car loan.
Emma R.
Car Finance Client
Got questions?
Bank-level security. Formally documented.
Enterprise-grade encryption, 24/7 monitoring, and a formal security management system.
Stop guessing which
lender will say yes
Get your Kreddi Score, see your file the way lenders do, and let the brain find your best match. Free, and no impact on your credit score.
Free to use · No credit impact · ASIC regulated · 130+ lenders