mortgage
Line of Credit Home Loan vs Refinancing: Which Suits You?
Compare a line of credit home loan to a cash-out refinance across cost, flexibility and risk. Independent broker guide with worked equity examples.
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Most business owners think one bank's "no" is the whole market's answer. It isn't. We compare 50+ lenders, match your options to the ones whose criteria you already meet, so you spend less time chasing finance and more time running your business.
Funding matched to how you earn
Straight advice on the right loan
Built for complex or newer businesses

Based on 250+ reviews
Elite Broker Winner 2024 & 2025

We compare your rates with 50+ lenders












































Tell us your goal and where your business is at. No forms to wrestle, no jargon, just a straight conversation about what you need.
We search across 50+ lenders to shortlist the smartest options for you. We take your profile to 50+ lenders and shortlist the ones that actually fit.
You see clear options with the numbers laid out, choose what's right, and we handle the rest through to funding.
Startup business loans are harder to place, not impossible. Some lenders back short trading histories on strong turnover, and we know which ones they are.
A trading track record opens the whole market: sharper rates, higher limits, and structures built for expansion rather than survival.
Retail peaks, contract cycles, harvest seasons. We match you to lenders who read seasonal cash flow as a pattern, not a red flag.
Past defaults, ATO debt or trust structures narrow the field, they don't close it. Specialist lenders exist for exactly these files.
From first chat to funds in your account, here's how we get you there.
We'll be with you at every stage. No need to figure it out all alone!
01
Tell us your goal, how much you need, and your timeframe. No obligation.
02
A soft check maps where your business stands, with no impact on your credit score.
03
We match you to the lenders whose criteria you already meet, not just the big banks.
04
We package and present your application in its strongest light.
05
Often within 24-48 hours, and we support you for the life of the loan.
Banks treat every business like a first loan. A broker treats you like someone building something. Sydney-based, lending Australia-wide, and for most business loans the lender pays us, not you.
We work with non-bank and specialist lenders, so a "no" from your bank is just the start of the conversation.
Bank-statement-only options for businesses that don't fit the traditional mould, sole traders, new ABNs, seasonal income.
Bad credit, ATO debt, trusts, knock-backs, the "too hard" cases are exactly what we usually solve.
Book a call and we'll look at your business, your cash flow and what's actually possible, no forms, no obligation.
Book an expert call“Dylan and his staff have been fantastic, they have made the process very easy and stress free. They walk through everything with you from start to finish and guide you to the best options. Thank you guys much appreciated”
Paul Coleiro
Google review, 22 Sept 2026
“Dylan and the Stryve Team have been so amazing during our search for a first home. Dylan was so communicative, patient and knowledgable and kept us updated throughout the whole process. I can’t recommend them enough!”
Michael O'Malley
Google review, 30 Aug 2026
“My partner & I have had a fantastic experience with Stryve Finance. Dylan and Douglas were incredibly helpful, responsive and supportive throughout the entire process. We’re very grateful for their help and would highly recommend Stryve to anyone looking for a reliable and knowledgeable mortgage broker.”
Tanvi Mara
Google review, 19 Aug 2026
“Dylan and the team at Stryve are exceptional. He made the process so easy to understand and helped secure the loan I was after. A special mention to how efficient the team are and can move things really quickly when needed. Can’t thank them enough for everything they’ve done. Strongly recommend if you’re looking for a first class mortgage broker!”
JAMES HARVEY
Google review, 18 Aug 2026
“Dylan and the team at Stryve made the pre approval process feel exciting and easy as it should! Cannot recommend them enough”
Alexia
Google review, 18 Aug 2026
“Dylan and the team from Stryve are absolutely incredible. So grateful we have Dylan as our broker, he explains things very clearly, and has always been very reliable and dependable if we have ever had any questions - incredible customer service where you feel really taken care of, heard and supported. Stryve have their finger on the pulse when it comes to their knowledge of the current market and the lenders to go with. I highly recommend going with these guys as your brokers, especially with navigating the current climate!”
Hollie
Google review, 12 Aug 2026
“Dylan has done a sensational job in helping me achieve my dream of purchasing a property. He has always been prompt in responding to my numerous enquiries, supporting me and guiding me through the whole process. Dylan and the stryve team have conducted themselves very professionally with brilliant results, I would recommend them to anyone in need of a broker. Dylan has been a pleasure to deal with, Thank you for everything.”
Deborah Chouart
Google review, 12 Aug 2026
mortgage
Compare a line of credit home loan to a cash-out refinance across cost, flexibility and risk. Independent broker guide with worked equity examples.
Read more
mortgage
Learn how equity works when buying a second home in Australia. Compare sell-first vs buy-first paths, calculate usable equity, and explore your options.
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mortgage
Self-employed and struggling to refinance? Learn how low doc refinance home loans work, what documents you need, and how a specialist broker can help.
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