# Jokuda

> Jokuda is an AI-powered mortgage and finance broker in Australia. We compare home loans, business loans, asset finance, and lines of credit from 50+ Australian lenders. ABN 53 684 590 609 | ACL 573020 | AFCA Member 118076.

Jokuda uses AI technology to match borrowers with the best loan products across major banks, non-bank lenders, and specialty lenders. We serve all Australian states and territories for both consumer and commercial finance.

## Products — Consumer

- [Home Loans](https://jokuda.com/products/consumer/home-loans): Compare variable and fixed rate home loans, first home buyer loans, investment property loans, and refinancing options from 30+ lenders.
- [Car Finance](https://jokuda.com/products/consumer/car-finance): New and used car loans, novated leases, and vehicle finance with competitive rates.
- [Personal Loans](https://jokuda.com/products/consumer/personal-loans): Secured and unsecured personal loans for debt consolidation, renovations, travel, and more.
- [Credit Cards](https://jokuda.com/products/consumer/credit-cards): Compare credit cards across rewards, low rate, and balance transfer categories.
- [Debt Consolidation](https://jokuda.com/products/consumer/debt-consolidation): Consolidate multiple debts into a single, lower-rate loan.

## Products — Commercial

- [Business Loans](https://jokuda.com/products/commercial/business-loans): Working capital, expansion funding, and business lines of credit for Australian businesses.
- [Asset Finance](https://jokuda.com/products/commercial/asset-finance): Equipment finance, machinery loans, and vehicle fleet financing for businesses.
- [Commercial Property](https://jokuda.com/products/commercial/commercial-property): Commercial property loans for offices, retail, industrial, and mixed-use premises.
- [Invoice Financing](https://jokuda.com/products/commercial/invoice-financing): Unlock cash flow by financing outstanding invoices and receivables.
- [Trade Finance](https://jokuda.com/products/commercial/trade-finance): Import/export financing, letters of credit, and trade facilities for international business.

## Tools & Calculators

- [Borrowing Power Calculator](https://jokuda.com/tools/borrowing-power): Estimate how much you can borrow based on income, expenses, and existing debts.
- [Stamp Duty Calculator](https://jokuda.com/tools/stamp-duty): Calculate stamp duty and transfer fees for property purchases in any Australian state.
- [Refinancing Calculator](https://jokuda.com/tools/refinancing): See potential savings by refinancing your existing home loan at a lower rate.
- [Car Loan Calculator](https://jokuda.com/tools/car-loan-calculator): Calculate monthly repayments, total interest, and compare car finance options.
- [Extra Repayments Calculator](https://jokuda.com/tools/extra-repayments): See how extra repayments can reduce your loan term and total interest paid.
- [First Home Buyer Guide](https://jokuda.com/tools/first-home-buyer): Grants, concessions, and schemes available for first home buyers in each state.
- [Investment Property Calculator](https://jokuda.com/tools/investment-property): Analyse rental yield, cash flow, and tax benefits for investment properties.
- [LMI Calculator](https://jokuda.com/tools/lmi-calculator): Estimate Lenders Mortgage Insurance costs for deposits below 20%.
- [Offset Account Calculator](https://jokuda.com/tools/offset-account): Calculate interest savings from an offset account on your home loan.
- [Budget Planner](https://jokuda.com/tools/budget-planner): Track income and expenses to understand your borrowing capacity.
- [Income Tax Calculator](https://jokuda.com/tools/income-tax): Calculate Australian income tax, Medicare levy, and take-home pay.
- [Savings Goal Planner](https://jokuda.com/tools/savings-goal): Plan and track your savings toward a home deposit or other financial goal.

## Company & Resources

- [About Jokuda](https://jokuda.com/about): Our mission, values, team, and how we use AI to deliver better lending outcomes.
- [Lender Panel](https://jokuda.com/lender-panel): Browse our panel of 30+ Australian lenders including major banks, non-bank lenders, and specialty finance providers.
- [Insights & Guides](https://jokuda.com/insights): Expert articles on home loans, business finance, market trends, and borrowing tips.
- [News](https://jokuda.com/news): Latest finance industry news, rate changes, and market updates.
- [FAQs](https://jokuda.com/faqs): Frequently asked questions about our services, the application process, and lending.

## Legal & Compliance

- [Privacy Policy](https://jokuda.com/privacy): How we collect, use, and protect your personal information under the Australian Privacy Act.
- [Terms & Conditions](https://jokuda.com/TnC): Terms of use for Jokuda's website and services.
- [Complaints](https://jokuda.com/complaints): Our complaints handling process and how to escalate to AFCA (Australian Financial Complaints Authority).

## Contact

- Website: https://jokuda.com
- Phone: 1300 JOKUDA (1300 565 832)
- Email: support@jokuda.com
- Address: Level 57, 25 Martin Place, Sydney NSW 2000