# Loantec

> Australia's trusted loan brokers with over 40 years of experience. We compare 100+ lenders to find the lowest rate on personal loans, car finance, business funding, and more. Our service is free — we earn a commission from the lender only when your loan settles.

## About

Loantec (trading alongside Mortgagetec) is an Australian Credit Licence holder (#530447) operating as a loan brokerage, not a direct lender. We act on behalf of borrowers to find the best available loan terms across a panel of 100+ lenders including CBA, ANZ, Westpac, NAB, Macquarie, Bank Australia, and specialist lenders.

- Phone: 1300 562 6832
- Email: info@loantec.com.au
- Website: https://loantec.com.au
- Licence: Australian Credit Licence #530447
- Service area: All of Australia (online and phone-based)

## Trust Signals

- 40+ years combined experience
- 5,000+ loans settled
- 100+ lenders on panel
- $0 upfront cost to borrowers

## Services

- **Home Loans — First Home Buyers**: Help first-home buyers enter the market sooner, with or without grants.
- **Home Loans — Owned Before**: Upsizing, downsizing, or re-entering the property market.
- **Investment Property Loans**: Lending structured for long-term wealth building and portfolio growth.
- **Construction Loans**: Interest-only on drawn funds during the build phase.
- **Self-Employed & Low-Doc Loans**: Specialist knowledge of BAS-based lending and alternative income verification.
- **Refinancing**: Full home loan health check across the lender panel to find better rates.
- **Debt Consolidation**: Restructure multiple debts into one simpler facility.
- **Personal Loans**: Fast, flexible finance for any purpose. Same-day approvals available.
- **Car, Bike & Vehicle Finance**: Cars, motorcycles, caravans, boats. No deposit options available.
- **Business & ABN Loans**: Equipment finance, truck finance, unsecured business loans up to $70k.
- **Equipment Finance**: Finance business equipment without draining working capital.
- **Cash Flow Finance**: Revenue-cycle-aligned solutions to cover costs and seize opportunities.

## How It Works

1. **Tell Us What You Need** — Answer a few quick questions (under 2 minutes).
2. **We Find the Best Deal** — Brokers compare 100+ lenders for your lowest rate and best terms.
3. **Get Your Funds** — Funds deposited directly to your account. Many loans settle within 48 hours.

## Why Choose Loantec

- Self-employed specialist — experts in complex income situations
- Director-level involvement throughout the entire process — no hand-offs
- Proactive portfolio growth focus for investors
- Fast turnarounds and high approval rates
- Works entirely online and over the phone across Australia

## Frequently Asked Questions

**How is Loantec different from a bank?**
We're a broker, not a lender. We compare 100+ lenders to find your best deal — banks can only offer their own products.

**Does applying affect my credit score?**
Initial pre-qualification is a soft enquiry with no credit score impact. A formal check only happens when you choose to proceed with a specific offer.

**Can I get a loan with bad credit?**
Yes. We work with specialist lenders who consider defaults, judgments, and even past bankruptcy.

**How long does approval take?**
24–48 hours for most loans. Same-day possible for vehicle/equipment finance. Business loans may take a few extra days.

**What documents are needed?**
Typically: proof of identity, recent payslips or income evidence, and bank statements.

**Are there upfront fees?**
No. The service is completely free to borrowers.

## Pages

- `/` — Homepage with all services, process, testimonials, and FAQs
- `/privacy` — Privacy Policy
- `/terms` — Terms and Conditions
- `/llms.txt` — This file (AI summary)
- `/llms-full.txt` — Extended AI content with full testimonials and value propositions
- `/sitemap.xml` — XML sitemap