Smartsalary

Get a mortgage health check online in just a few minutes thanks to Smartsalary

One of the perks of being a Smartsalary customer is that you could save money on your mortgage too! Watch the banks and mortgage brokers compete for your home loan through our partnership with Joust!

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Joust

Lenders you can trust

Access up to 80% of home loan lenders in Australia. Here are just some of them.

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How a Joust Auction works

Create Profile

What makes a great profile?

Healthy Credit Score

A healthy credit score is one of the first steps to finding the ideal home loan rate. To receive the most competition (bids) on your Joust, a credit score over 700 is ideal.

Savings & Equity

Lenders also like to see a history of savings or accessibility to funds. This is generally incorporated into the LVR (Loan to Value Ratio). Having a good LVR below 80% would get you to a great start. Alternatively, if you’re refinancing, an existing equity of 20% or above.

Steady Income

Having a full-time employment and able to show a steady income helps greatly in getting lenders to bid on your profile. In order to make the most of your profile, ensure all sources of household income are included such as rental income, spouse income and other investment income.

Frequently Asked Questions

Is it secure to use Joust?

Yes.

We take security extremely seriously, as such we have invested heavily to be compliant and adhere to bank grade security.

The information we collect from you is used to provide an indicative offer tailored to you.

For more information on on how your personal details are securely protected, please refer to our Privacy Policy Statement.

Is Joust free to use?

Yes.

Joust is completely free to use and there’s no obligation or pressure to proceed.

It is simply an easier way for you to find a better home loan suited to you, without the run around.

Will creating a Joust impact my credit score or credit file?

No.

Creating a Joust on Live Auction will not impact your credit score nor will it leave a visible footprint on your credit file.

While we do check your credit score as part of creating an auction, we simply extract your score and represent it in a score band as part of your profile.

Should I use Joust to refinance my current mortgage?

Yes.

There’s every chance that your existing mortgage interest rate is higher than what could be available in the home loan market right now.

Regardless if you have a fixed or variable interest rate, you may be paying more than you need to on your current home loan.

Joust is a free tool to help you find lower home loan rates currently available in the market.

Am I obliged to choose a deal?

No.

Your personal details remains hidden throughout the Marketplace process. If you decide you want to connect with a deal from the leaderboard, you will be contacted by one of our partner brokers. They will then have to complete their own internal assessments to satisfy responsible lending criteria and assess the product suitability based on verifiable information.

You can choose not to proceed at any point if you feel it is not right for you.

See what our customers have to say about Joust

Joust
"I had already commenced the mortgage process with a bank when I came across Joust. I put my details in and ended up with 6 offers really quickly. By using Joust I will end up saving $1100 per year on repayments.."
ANISSA - NSW
"Extremely happy with the service provided by Joust. The process saved me plenty of time and stress. The brokers I got connected with through the platform made me feel comfortable every step of the way. I highly encourage anyone looking to save money and time to give the platform a go!"
Sreenith K. - NSW
"We were assisted to find the right broker and in turn the right mortgage for us. Can't thank you enough for our positive outcome! We can highly recommend using this service."
Gen - QLD

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Need help getting started or have a complex loan?

Use our Concierge Service to get in touch with our team who will guide you on how to use Joust, help you create your profile or, if you have a complex loan, find you a custom solution with our panel of lenders and brokers.

Concierge Service
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Joust Software Pty Ltd ABN 73 603 612 013 ACL 481805 and the Joust logo are trademarks of Joust Pty Ltd ACN 603 603 667 ACRN 484955. Both Joust Software Pty Ltd and Joust Pty Ltd are wholly owned by Joust Holdings Pty Ltd ACN 639 604 998 ACRN 522403. Any trademarks used on this website which are not owned by Joust Pty Ltd are used under licence from participating financial institutions. Joust is not a credit provider and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a product, you will deal directly with a financial institution and not with Joust. Product information should be confirmed with the relevant financial institution. View the Joust Terms of Use.