Benevolence Financial Group (BFG) is now Open Home Loan. Start home loan rate tracking and let Open automatically shop around for you – over your loan duration. When your ideal rate is reached, we’ll ask your bank to match it. Choose to stay or switch in minutes. No effect on credit score. Start for free.

The future of finance is here

What if businesses can be a force for change? Inspired by the business model of Thankyou water which argues that in order to change the world, we must first change the system. Now it’s our turn to do Business For Good.

Home loans done differently

Housing typically represents a family’s single largest expenditure and its major source of wealth. BFG helps you achieve the milestone of homeownership while helping others have their own – at no extra cost to you. 

Part of our profits is invested for Impact. Each investment is made under the names of our customers and instead of donations, we call it investments because we see it as an investment for a just and sustainable future. 

In a dog-eat-dog sort of world, it’s a welcome relief to find a company willing to sacrifice some of their own money for the better of society.

Mortgage for good

We have started planning the seeds, but we still have a long way to go.




Homes built


Customers changing lives

Our Impact Partners

How it works


Mission Alignment

Our impact partner’s purpose and mission align with BFG and provide sufficient evidence to prove their organisation is serving families and communities affected by circumstances outside their control.


Sustainable At The Core

We believe philanthropy is a short-term solution, at best. That is why we aim for a hands-up approach, not a handout. Our partners aim for sustainable impact by having clear, resourced, and well-planned strategies and solutions.



As a result of our partner’s solution, the impact must be measurable and provide positive change. Our partners play a pivotal role in achieving positive change. Our partners have clear, defined success metrics and measurable outcomes. They have robust systems and processes of collecting and analysing data to know whether impact has occurred.

miguel montenegro
miguel montenegro
Reliable advice, easy and quick experience. Took all the hassle from a complex journey. Highly recommended and great after settlement support.
H Halstead
H Halstead
Sam and his team made the entire mortgage experience seamless and easy to understand. The team was always available for questions and quick to respond.
Mohit Rathore
Mohit Rathore
Highly recommend Sam and team to anyone. They were extremely helpful and responsive throughout the process. Found the right product for me and made the home buying process easier.
David Hart
David Hart
The BFG team were available, informative, responsive and professional, every step of our home purchasing journey. We couldn't be happier!
Nicola Swann
Nicola Swann
Ben and Samuel went out of their way to ensure my finance was secured for the purchase of my house. They were always available to follow up any queries or concerns I had with the process. We had some challenging issues to overcome, due to my personal finance situation and significant changes in the market, They worked with the bank to clarify circumstances, and even sought alternative options as a back up. They engaged other members of the team to ensure the processes were finalized in time for completion. I had clearer communication about the final aspects of completion from Ben and Samuel than I did from my conveyancers, which reassured and eased the process. They were prompt, efficient and always contacted me when they said they would. Ultimately, they were able to find an optimal solution, with better rates than anticipated, in a time of uncertain financial climate. Thank you both so much for your efforts and helping me complete the purchase of my fantastic new home, and start a new chapter!
Leena McCulloch
Leena McCulloch
I cannot thank Ben Smith from BFG enough for guiding me through negotiations with my lender & saving me $5,300 pa. Ben received no commission from this advice and I would have no hesitation in recommending his services if you’re looking for someone to strongly advocate on your behalf.
Andrew Farrugia
Andrew Farrugia
The team at Benevolence were very helpful in finding me the right product and made the whole process of buying a house very easy. They were really responsive and answered all of my questions. I'd definitely recommend them.
Phoenix Valkyrie
Phoenix Valkyrie
Quick, helpful and transparent. Was able to smoothly help me put my pre-approval together as a first home buyer. Thanks Ben!
Dom Attard
Dom Attard
Ben and Sam handled the re-financing of our mortgage with an level of professionalism I have not seen before. Not only were they efficient in their work, but they were kind and caring. They took the time to get to know our situation and also our needs for an ethical bank. We highly recommend them if you are looking for a seamless refinance experience, with industry knowledge of the best performing banks in terms of ethics. Really appreciate the support guys, take care. Dom and Melody.

We couldn't do it without you

Your trust means the world to us. Thank you to our beloved network who’s working with BFG to make our goal a reality – clients, companies, businesses, industry professionals, and of course, you.


Let’s crunch some numbers. If we had just 1% of the Aussie home buying market, it would mean a contribution of almost $25 million for BFG to use in social impact initiatives. That’s a huge amount to work with to make a positive change in Australia. And it costs you nothing. All you have to do is choose an ethical mortgage broker, and they’ll do the rest. Your house is the biggest purchase you’ll ever make, so why not let it also have the biggest impact on society. 

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