Refinancing made easy

Joust / verb :

to engage in a contest in which lenders fight to provide you the best home loan rate

Joust is the new, easy way to save money on your home loan.

Joust makes the banks bid against each other to give you the best rate. 

Choose the lender that suits your needs - no more running around between banks or brokers to find the best deal. It only takes 5 minutes to start a Joust that could save you $1000's over the life of your mortgage. 

Best of all, Joust is free to use with no obligations.

Start a Joust today and see how much you could save!

Why Use Joust to Refinance Your Current Mortgage?

Joust helps you find lower home loan rates. When you use Joust, you avoid having to wade through the complexities of unnecessary or low value home loan features. This means you may not need help from an accountant or a mortgage broker. Many of our Banks bid with great interest rates with those annoying hidden fees and costs removed.

At Joust we believe good customers should be rewarded. Why do new customers receive lower home loan interest rates than existing long-term customers?

Many banks offer 'honeymoon rates' to new customers. These honeymoon rates are introductory rates and only last for a certain amount of time. 

We believe it's a great time to Joust - when you have an existing home loan.  To benefit the most from the competitive tension that Joust creates, you'll ideally have a reasonable credit score, a steady income and at least 5% equity in your home, or a 5% deposit.

Under the competitive tension created by the Joust live auction environment, Joust opens up opportunities for lower home loan rates than you would normally have access to otherwise.

Using your profile information, banks can often do more than quote you a pre-existing, standard deal or rate. They are motivated to consider your profile then compete in real time and beat rival offers.

Joust can help you obtain lower home loan rates to refinance your home.  

Interested in learning more about how we help you?

How Joust works

You’ve probably browsed home loan calculators and mortgage rate comparison websites to compare mortgage rates. But that’s about as far as you went. Joust goes a whole lot further…lenders compete directly against each other with their best home loan rates – Jousting specifically for you - direct on your preferred smart device. 

Here’s how Joust works.

Set up a Joust

How do I Joust? It’s easy – and free! Simply click on Joust now and enter basic information about your desired loan and your personal financial situation. Lenders use this information to determine how aggressively they will chase you with their best home loan rates, so it’s an important step.


Watch the lenders Joust

Find the one… Joust will introduce you. This is the fun part. Sit back and watch on your digital leaderboard as lenders bid against each other to drive down your home loan rate. This is a live, exciting and revolutionary way to potentially save thousands on your loan.


Choose a victor

Once the Joust is over, it’s time to choose the winning home loan rate. We will connect you directly with the lender to sign on the dotted line. There’s no middleman and no hoops to jump through – just an easy and interactive way to slash your home loan rate.

3 Ways Joust Simplifies Your Search for a Better Home Loan Rate

Researching the best home loan rates Australian lenders currently offer can be a headache and incredibly time consuming.

At Joust, we are dedicated to helping you find the best home loan rates banks can offer you. We have created a digital marketplace that provides transparency and empowerment in your search for a mortgage, but we have also optimised the process for your convenience.

Here are three ways Joust simplifies your search: 

1. Access a digital marketplace through the convenience of your mobile device

When you begin using Joust, you start by building a quick online profile.

Lenders can view your de-identified profile, so they can quickly bid with their best home loan rate based on your profile.

This means you don’t have to worry about making face-to-face appointments with multiple lenders. Instead, you no longer waste your time in long consultations with a sales representative and have the most competitive bids sent directly to your mobile device.

Enjoy the convenience of receiving less complex and targeted rate bids - all through the convenience of your mobile phone.

With Joust, you are able to search for some of the best Australian home loan rates no matter where you are.

2. Joust saves you time from having to compare home loan lenders

Joust is much more than a home loan comparison site or a home loan calculator.

The best offers for residential mortgages can often be fleeting and limited by time bound conditions - but you deserve access to the best home loan rates on your terms.

We have created a digital marketplace that saves you days of researching what some of the best current rate offers on home loans are.

By bringing potential lenders all to one place, you save valuable time that would have been spent going from bank to bank, or meeting with a broker.

We give you power as a buyer and flip the pressure of time back onto the lenders. When you create a profile with Joust, you are able to choose a time frame for banks to bid on your loan. Watching the bidding action on your live leaderboard is great fun. Once this period has closed, you get to see which banks have offered you their best home loan rates.

3. Avoid time consuming negotiations and receive home loan rate bids that reflects your true value

Find some of the lowest home loan rates that banks can offer you. When you use Joust, you avoid having to deconstruct the complexities of a home loan by yourself, obviating the need for help from your accountant or a mortgage broker.  

Joust provides an innovative digital platform where good consumers get the opportunity to have a customised auction for their home loan.

Under the competitive tension we create between lenders in this unique bidding environment, Joust opens up opportunities for interest rates you may not otherwise have access to.

This is made possible not only through the competitive tension, but by cutting out the middle man.  

Using your basic profile information, banks can do more than assign you to a pre-existing, standard deal or rate. They are incentivised to cater to your profile and to compete with their best interest rate bids.

19 secrets to finding the best home loan deal

Discover Industry Secrets to Help You Find the Best Home Loan Rate

Are you searching for the best home loan rates?

At Joust, we are Australian home loan experts. Acting as your personal home loan calculator, we provide a free marketplace for lenders to competitively bid for your business.

We understand that finding the best home loan can be a difficult and long process. But at Joust, we want to make the journey as stress-free and easy as possible. 

By downloading our free eBook "19 Secrets to Finding the Best Home Loan Deals", you will discover:

  • The easiest ways to find the best home loan rates

  • Why a mortgage broker can make your home loan more expensive

  • The truth about honeymoon rates

  • Fixed vs. variable rates

  • Bigger Banks vs. challenger banks

  • How you can exit a home loan and how much it will cost

  • How to shorten your home loan shopping from weeks to days

  • A free site to check your credit score

  • How to move banks along with your home loan

  • And much, much more!

Download our free eBook today and get the industry insights you need to access lower home loan rates for you and your family.