See your borrowing
power instantly.
Connect your details and model your borrowing position before a lender conversation — no credit check.
Indicative lender rate movements
- AthenaVariable5.82%-0.08%
- INGVariable5.84%-0.04%
- uBankVariable5.86%-0.03%
- MacquarieVariable5.88%-0.02%
- ANZVariable5.89%+0.01%
- WestpacFixed 2yr5.91%-0.05%
- St GeorgeFixed 1yr5.93%+0.02%
- CommBankVariable5.94%-0.01%
- NABVariable5.96%+0.03%
- SuncorpVariable5.97%-0.02%
- AMPVariable5.99%+0.01%
- Bank of QldVariable6.02%-0.04%
How it works
Three steps to a clearer borrowing picture.
Connect
Securely link your bank accounts via read-only open banking. We can see — never touch — your money.
Analyse
Borro turns income, expenses, assets and liabilities into a structured borrowing picture.
Compare
Review lender views side-by-side with the assumptions behind each scenario.
Features
Everything you need to
maximise your borrowing power.
AI-powered borrowing analysis
We assess your full financial picture — income, expenses, assets — not just a credit score. Real numbers, not estimates.
Lender comparison
Compare lender views side-by-side with the assumptions that shaped each result.
Decision context
See the inputs and assumptions behind each borrowing scenario before you move forward.
Scenario modelling
Adjust deposit, income, or term and watch your capacity recalculate without losing the context behind each case.
Document vault
Store payslips, tax returns, and bank statements. Share with advisers with one link.
Bank-grade security
Read-only open banking. 256-bit encryption. Your data is never sold or shared.
Pricing
Start with the borrowing picture.
Borro is in early access. Paid workflow tiers will be introduced as adviser and reporting tools mature.
Free
For first-time borrowers getting started.
- Borrowing capacity check
- Initial lender shortlist
- Basic scenario modelling
- PDF summary report
Next
For borrowers and advisers who want deeper collaboration.
- Expanded lender comparisons
- Scenario sharing
- Document review workflows
- Report generation
- Adviser collaboration
Why it feels different
No invented certainty. Just the evidence behind a borrowing decision.
Source data
Fact Find, documents and lender assumptions stay visible instead of being hidden behind a magic score.
Borrower control
A borrower can change deposit, income, repayments and timing before speaking to a broker or bank.
Human review ready
The app is shaped around the evidence an adviser needs, not around decorative dashboards.
Frequently asked questions.
Borro is an AI-powered borrowing intelligence platform for Australian home buyers. We connect to your financial data and every major lender to give you an accurate, real-time borrowing capacity — before you talk to a bank.
No. Borro uses read-only open banking connections and never performs a credit enquiry. Your score is completely unaffected.
Borro is being built around Australian bank and non-bank lender comparison. Availability will depend on the lender data and workflows enabled for your account.
Borro is designed to model borrowing capacity from lender-style assumptions and the information you provide. Final approval always depends on lender assessment.
Yes. Read-only open banking, 256-bit encryption, and we never sell or share your data with any third party.
The current early-access path is free to start. Paid collaboration and reporting tools will be introduced as the product matures.
Start your journey
with confidence.
Build a clearer picture before the bank conversation starts.
Free early access · No credit card required