Your home loan co-pilot, watching for a better deal 24/7

Absolutely. Your data is protected by 24/7 monitoring, multiple layers of firewalls, encryption of data at rest and in transit, multi-factor authentication, and regular penetration testing. You alone decide what's shared and can flick the switch off anytime.

Nope. Guardian just runs a soft check - like a quick look, not a full assessment. Hard enquiries happen later, and only if you decide to lodge a formal application with a lender.

When you refinance through Lendi, the new lender pays us the same standard broker commission they'd pay anywhere else. And if we connect you with helpful third-party services, like conveyancers, we may receive a referral fee if you go ahead. That part's totally optional. You stay in control, always.

No - you stay in control. Guardian (our AI) works like a co-pilot: it scans hundreds of loan options, runs scenarios, and helps pre-fill forms to save you time. But nothing moves forward without you choosing to act. If you'd like extra support, a Lendi Home Loan Expert is on hand to guide you through the next steps.

Never. You choose push, email, or silence. Guardian only pings when there's a meaningful rate drop, equity jump, or money-saving move.

No way. Your data stays yours. Lenders only see your details if you tap Apply. Guardian never sells lists or hands out your number for marketing calls. We are committed to protecting customer privacy and do not sell customer information, please refer to our Privacy Policy for more information.

Absolutely. Whether it's your family home or a portfolio of rentals, Guardian tracks each property and loan separately, crunches investor and interest-only rates, and flags tax-smart savings the moment they appear.

Just your email address, mobile number and the property address.