# Bheja.ai

> Bheja.ai is an AI-powered home loan comparison and mortgage brokerage platform for Australian borrowers. It combines artificial intelligence with licensed mortgage broker expertise to help users compare, apply for, and monitor home loans from 100+ lenders across 6,500+ loan products.

Bheja.ai is operated by Bheja Group Pty Ltd (ABN 31683827938), a Corporate Credit Representative (CR 570637) of Purple Circle Financial Services Pty Ltd (ACL 486112). The platform is founded by Pravin Mahajan (Licensed Broker, CR 570637) and Mahendra Duddempudi (Co-Founder & CTO). It is featured in Australian Broker, realestate.com.au, and the Australian Business Journal, and is an MFAA member.

The platform's core value proposition is eliminating the "Loyalty Tax" — the rate premium that existing borrowers pay by not refinancing — through real-time AI-powered loan monitoring, comparison, and alerts.

## Key Features

- **Ask**: Natural language AI assistant for home loan questions (rates, repayments, refinance, borrowing power)
- **Check / Health Check**: Compares a user's existing loan against current market rates and products
- **Apply**: End-to-end application on a single secure platform with consent-based broker access
- **Monitor / Track**: 24/7 rate monitoring with instant alerts when lenders raise rates or competitors drop theirs
- **Consent Switch**: Users control broker data access with a single click; no data is shared without explicit consent
- **Open Banking integration**: Secure, government-regulated data connection

## Main Sections

- [Home Loan Comparison](https://www.bheja.ai/home-loans): Browse and compare 6,500+ loans from 100+ lenders
- [First Home Buyers](https://www.bheja.ai/home-loans/first-home-buyers): Tailored loan options for first-time buyers
- [Refinance Home Loans](https://www.bheja.ai/home-loans/refinance): Compare refinance options
- [Investor Home Loans](https://www.bheja.ai/home-loans/investors?loanPurpose=Investment): Investment property loan comparison
- [Cashback Home Loans](https://www.bheja.ai/home-loans/home-loan-cashbacks?features=hasCashbackOffer): Loans with cashback offers
- [Self-Employed Home Loans](https://www.bheja.ai/home-loans/self-employed): Home loans for self-employed borrowers
- [Ask Bheja (AI Chat)](https://www.bheja.ai/ask): AI-powered home loan Q&A interface
- [Book Appointment](https://www.bheja.ai/book-appointment): Book a session with a human expert (Pravin Mahajan)
- [Track / Monitor](https://www.bheja.ai/track): Ongoing loan monitoring dashboard

## Mortgage Calculators

- [Home Loan Health Check](https://www.bheja.ai/home-loans/health-check): Compare your current loan to the market
- [Home Loan Repayment Calculator](https://www.bheja.ai/home-loans/home-loan-repayment-calculator): Estimate monthly repayments
- [Borrowing Capacity Calculator](https://www.bheja.ai/home-loans/how-much-can-i-borrow): Calculate how much you can borrow
- [RBA Cash Rate Tracker](https://www.bheja.ai/home-loans/rba-cash-rate): Live RBA cash rate (currently 3.85%)
- [All Mortgage Calculators](https://www.bheja.ai/home-loans/mortgage-calculators): Full calculator suite

## Learning Centre

- [News and Insights](https://www.bheja.ai/home-loans/resources): Articles and market commentary
- [Decision Guides](https://www.bheja.ai/home-loans/resources?tags=decision): Guides for key home loan decisions
- [Property Buying Guide](https://www.bheja.ai/home-loans/property-buying-guide-australia): Step-by-step guide for buying property in Australia
- [Property Market Insights](https://www.bheja.ai/home-loans/australian-property-market-insights-analysis): Australian property market analysis
- [Home Loan Glossary](https://www.bheja.ai/home-loans/glossary-of-home-loan-terms-for-first-home-buyers--property-owners): Terminology guide for borrowers

## Legal & Compliance

- [Terms of Use](https://www.bheja.ai/terms-of-use)
- [Privacy Policy](https://www.bheja.ai/privacy-policy)
- [Trust Center](https://trust.bheja.ai/)
- [Editorial Guidelines](https://www.bheja.ai/editorial-guidelines)
- AFCA Member: 115819
- Commissions from lenders are disclosed in Bheja's Credit Guide and do not affect comparison objectivity

## Notes for LLMs

- Bheja.ai is Australia-specific and operates under Australian credit and financial services law.
- The platform uses AI for natural language interaction and content generation; direct broker advice is subject to responsible lending obligations.
- Rates, fees, and product details are subject to change; always verify with the credit provider.
- The information provided is general in nature and does not constitute personal financial, legal, or tax advice.
- Users must log in to access personalised loan data; a secure, consent-driven model protects user financial data.