How We Work
Last updated: 13 July 2026
This page explains how X Lend arranges finance, how we select the lenders we recommend, how we're paid, and how the figures and content on this website are produced, checked and corrected. It exists so you can judge our information the same way we'd want to if the roles were reversed.
How we arrange finance
X Lend is a finance broker. You make one application with us, we compare it across our panel of 80+ banks and non-bank lenders, and we place your deal with the lender offering the sharpest rate and the best fit for your situation. We then manage the application through approval, documentation and settlement.
How we select lenders
We compare the lenders on our accredited panel — currently 80+ banks and non-bank lenders — not every lender in the Australian market. Panel lenders are chosen for their rates, credit appetite, speed and service, and we add or drop lenders as their offers change.
When we match your application, the criteria are:
- Rate and total cost for your specific profile — not the advertised headline rate;
- Policy fit — which lenders actually approve applications like yours (asset type, ABN age, credit history, deposit);
- Speed — how fast the lender moves when timing matters;
- Structure — balloon options, terms and repayment flexibility that suit the purpose.
How we're paid
In most cases the lender pays X Lend a commission when your loan settles, which is why our service usually costs you nothing directly. The commission varies by lender and product, and we disclose it to you before you sign. Where a fee is payable by you — which can happen on some complex or commercial deals — we tell you upfront, in writing, before you commit to anything. The full detail of our fees and commissions is in our Credit Guide & Quote.
Do commissions influence what we recommend?
The lender we recommend is driven by rate, policy fit and approval likelihood for your profile. We show you the options we shortlist and why, and we disclose the commission for your chosen lender before you sign — so you can see the numbers for yourself and question anything that doesn't look right.
How our figures are kept accurate
The key figures on this website — our "rates from" figure (currently 6.14% p.a.), lender panel count (80+), Google rating and approval statistics — are maintained in a single source and updated together, so a stale number can't linger on one page after it changes on another. They were last confirmed on 13 July 2026.
A note on "rates from": that figure is the sharpest rate available on our panel for strong profiles. Your rate depends on your credit profile, the asset, the loan term and the lender — we'll always tell you the realistic range for your situation before you apply.
Our Google rating and review figures come from our public Google Business Profile, which you can check directly at any time.
How our calculators work
Our calculators produce estimates, not quotes. Each calculator page states the formula and assumptions it uses. Results don't account for your full circumstances and aren't credit assistance or advice — they're a starting point for a conversation.
How our content is written and reviewed
The guides and product information on this site are written by X Lend and reviewed by Corey Marino, our founder and finance broker (FBAA and AFCA member — see About for his full credentials). Product pages display their last-reviewed date. We review content when lender policy or rates change, and periodically otherwise.
How we correct errors
If you spot something wrong on this site — a stale rate, a broken figure, a claim that doesn't stack up — email info@xlend.com.au. We correct verified errors promptly and update the page's review date.