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.
Six clear steps. No surprises, no hidden stages. Here's exactly what happens when you get matched.
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.
Our advanced AI model analyses your situation against over 2,000 policy documents from our panel of 50+ lenders. We strip all personal information — your name, date of birth, and address are never shared at this stage. Only the financial picture matters.
You receive a shortlist of the three products that best fit your situation — ranked by suitability, not by which lender pays us the most. We explain why each was chosen and how they compare on rate, fees, features, and approval likelihood.
Before we go any further, we send you our Credit Guide and Privacy Consent documents. These explain how we work, how we're paid, and how your information is handled. Full transparency — no fine print surprises.
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. With this deeper understanding, we revisit and refine the recommendations to make sure they truly fit.
Once you're happy with the recommendation, we prepare a professional credit write-up and submit your application to the lender. We manage the entire process — chasing documents, answering lender queries, coordinating with solicitors — until settlement day and beyond.
75% of Australians now use a broker for their home loan. Here's why.
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.
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.
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.
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.
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.
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.
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.
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.
| 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 |
It takes 2 minutes. No credit check, no obligation, and no cost. Just the best products for your situation.