01
What can my deposit unlock?
See how different deposit levels can open up different loan options.
START HERE
What’s getting in the way?
Maybe one of these sounds familiar.
I want to buy,
but I don’t know
what’s realistic.I found a place I love.
Now I’m overthinking
everything.I already have a loan.
I’m just not sure it still
makes sense.My situation
isn’t straightforward.Honestly?
I don’t even know
where to start.
EXPLORE
Want to explore it yourself first?
Go play.
No forms. No pressure.
See what might be possible.
02
Should I refinance?
See whether switching could make sense for you now.
03
🌿
Credit issues in the past?
Your options may be different today.
NEED MORE HELP?
Still not sure?
Some problems don’t fit neatly into a tool.
Tell us what’s happening.
We’ll help you figure out what really matters
and what options are worth exploring.
HOW WE WORK
We don’t start with the loan.
We start with the problem.
- UNDERSTAND
We listen, ask the right questions
and get to know what matters to you. - EXPLORE
We give you options and room
to explore what’s possible. - SOLVE
Once the direction is clearer,
we help the process move.
LEARN
Problems we’ve helped people think through
- Temporary Visa
- Self-employed
- Sell first or buy first?
- Using your equity
Guides for these topics aren’t published yet.
Explore the existing tools
PEOPLE
The people behind Allo
Annie
Lending Support
Keeping everything moving behind the scenes.
Summer
Content & Digital
Helping Allo show up clearly — online and in content.
WHAT’S YOUR PROBLEM?
You don’t need to know
which loan you need.
Just tell us what’s going on.
Let’s figure it out →Our services
We help you get the loan.
But first, we help you understand it.
What makes Allo different
Explore before you apply.
Use our interactive tools to test scenarios, move the numbers and understand how different decisions could change your path — before you commit to one.
PLAYGROUNDTRY IT YOURSELF
What happens if I change this?
Test
See
Understand
Move the numbers and test a scenario.
And yes — we do the loan too
Buying · Refinancing · Investment · Commercial
When you're ready, we compare suitable lenders, structure the loan, prepare the application and support you through to settlement.
LET’S TALK
If the way we think feels right to you, we’ll probably work well together.
Explore first. Ask questions. Understand the decision before you make it. If that sounds like how you want to approach your loan, tell me a little about what you’re working on.
Buying · Refinancing · Investment · Commercial
The Allo Playground
Start with a question.
See where it takes you.
You don’t need to know which tool you need. Find the question that’s already in your head — then jump straight in.
↳ Start anywhere. There’s no right order.
BUYING A HOME
Somewhere between “just looking” and “I think I found the one.” 😂
ALREADY HAVE A HOME LOAN
Does your loan still fit?
Things change. Your loan doesn’t automatically change with you.
REVIEW YOUR LOAN
Should I refinance?
Explore the rate difference, switching cost and when the numbers start working in your favour.
YOUR SITUATION
Something changed.
Credit history, income, equity or life may be different today. Your options might be too.
THE PLAYGROUND IS STILL GROWING
More things to play with are on the way.
We’re building new ways to explore the questions that come up around property, loans and money.
● IN DEVELOPMENTSomething new is taking shape.
● IN DEVELOPMENTAnother question is being explored.
● IN DEVELOPMENTStill a secret.
No spoilers. 👀
ABOUT ALLO
ABOUT ALLO
Mortgages are complex.
The experience shouldn’t be.
Allo Finance was founded by Aiyu Cai (Esther Cai), a Sunshine Coast mortgage broker with a design background from UNSW and more than four years of broking experience.
That mix of design and lending shapes how we work: explore first, understand the trade-offs, then make a decision that fits your life.
Explore first. Understand clearly. Decide with confidence.
Aiyu Cai · Esther Cai
Founder · Mortgage Broker · DesignerAnnie
Lending Support
Keeping everything moving behind the scenes.
Summer
Content & Digital
Helping Allo show up clearly — online and in content.