Auto Negotiator

We’re open in
everything we do,

to open up more savings for you.

With Open technology, we are the only digital brokers that continuously negotiate the best rate for you – for the lifetime of your home loan.

We call on 35 of Australia’s best banks to offer Australian homeowners the best rate. And then we negotiate to beat it.

That means savings all throughout the life of your home loan.

Discover Open

What if financial products were designed to help us all live a better life?

Finance should not create suspicion. Yet after 5 years in the banking industry and 3 years at Benevolence Financial Group, I saw that the mortgage system was not working to benefit Australian home owners. Instead, the industry created confusion. So what if we turned things around? That's why we created Open. Together I hope we can become a leading force for meaningful change in the lives of Australian families and change the world of finance.
Samuel Philipos

We have a commitment to use finance as a force for good.

Our vision: a future in which every financial transaction opens an opportunity to improve people's lives.

Australian families


Successfully settled into their homes.

Loans processed


In just three years, helping make the Australian dream a reality.

Invested for Social Impact


Through “Home for Home” where part of our profits are invested to build affordable housing for families in need

Be more.
Do more

Open is Australia’s first digital platform designed to help you discover and manage the home loan you want, the way you want it.

Finally have a home loan on your own terms – one that always fits your ever-changing needs so you can get the best deal that fits you – whenever, wherever.

Meet Our Team

At Open, we have a story to tell. It’s a story of passion and purpose,
of a team coming together to give more for the better.

Samuel Philipos

Founder, ex-Commonwealth Bank, Law and Commerce, Bachelor’s Degree, Diploma in Financial Services

Jeroen Bolluijt

Head of Strategy, ex-ING Bank, Deloitte, Macquarie, CBA

Jonathan Philipos

Head of Information Technology, Cloud Computing Startup Founder

Rajendra Kumar

Head of Product, Masters in Management, Tech and Engineering

Denise Florendo

Senior Manager, Marketing Communications, PR and Journalism

Our Industry Leading Advisors

Glen Aiton

Ex-COO UBank, Citigroup Australia and National Australia Bank (NAB)

Jennifer Leslie

Board Member at Newcastle Permanent (Credit Union), Financial Planning and Accounting

Our Broking Team

Ben Smith

Senior Mortgage Broker

Nicholas Evbuomwan

Mortgage Broker

Kara Collins

Mortgage Broker

Sam Fraser

Mortgage Broker

Yuliya Stepanova

Mortgage Broker

Mitch Tilbrook

Mortgage Broker

Mohammed Jomaa

Mortgage Broker

Rocky Lim

Senior Mortgage Broker

Mark Orofino

Financial Associate

Christine Ward

Financial Associate

Katrina de Leon

Senior Associate

Introducing the future of your home loan.
Are you ready to join us?


Instantly find the best loan in 30 seconds from 35+ banks, includes predicted negotiated rates

apply in 7 minutes

Open buys you time with fastest refinance application ever

stay on your best loan

We regularly shop around for you and tell you when to stay or switch, only if it’s worth it

built by experts

Ex-bankers on a mission to open up every possibility for you

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© 2023 Copyright Open, Open Home Loan ABN 52634787312, Australian Credit License number 390261,
Australian Credit Rep number 520956. All rights reserved. Important Information.
Open acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of
Country. We pay our respects to First Nations peoples and their Elders, past and present.