Calculators
Run your own numbers first.
The same starting-point maths a broker would run, free and instant. When you want the real answer across the 100+ lenders we have access to, that conversation is free too.
- 01Former commercial bankers
- 02Access to 100+ lenders
- 03A director on every file
- 04A reply within one business day
Buying a home
7 toolsBorrowing power
How much you could borrow, assessed the way lenders actually do it, with the 3% APRA buffer applied.
Loan repayments
Weekly, fortnightly or monthly repayments at any rate and term, plus total interest over the life of the loan.
Stamp duty
State-by-state transfer duty with first home buyer concessions applied. All eight states and territories.
Total upfront costs
Deposit, duty, legals, inspections and lender fees. The full cash figure you need to complete.
Deposit
How far off a 5%, 10% or 20% deposit you are, and how long at your current saving rate.
LVR
Your loan-to-value ratio, and how far you are from the 80% threshold where LMI usually disappears.
Loan comparison
Two loans side by side, including annual fees, because the lower rate isn't always the cheaper loan.
Refinancing
4 toolsRefinance savings
What your current rate is costing you, your break-even on switching costs, and the five-year picture.
Offset account
What an offset balance actually saves you in interest, and the indicative term reduction.
Extra repayments
What paying a little more each month takes off your loan term and total interest.
Fixed vs variable
Model a rate scenario across a fixed period and see which structure costs less.
Investing
4 toolsUsable equity
What a lender may actually release from your property, which is not the same thing as your total equity.
Rental yield
Gross and net yield on an investment property, with holding costs included.
Interest only vs P&I
The cashflow you free up now, and the repayment shock when the interest-only period ends.
Investment borrowing power
Capacity for the next purchase, with rental income shaded the way lenders shade it.
Self-employed & complex income
1 toolBusiness & commercial
2 toolsCalculators provide estimates only, based on the figures you enter and simplified assumptions. They are not credit advice, an offer of credit, a credit assessment, or an indication that any lender will approve a loan. Stamp duty rates, thresholds and concessions change regularly and vary by state, so confirm current figures with the relevant state revenue office.
The process
What happens if you want the real number.
Tell us what you're trying to do
A quick conversation gives us the context: your goal, your timeline and where you're up to.
We assess your position
We look at your circumstances, objectives and the lending options actually available to you across the lenders we have access to.
We structure the strategy
We identify an appropriate lending approach, and explain the trade-offs in plain English before you commit.
We handle the process
From application through to settlement, we stay involved and keep you updated.
Numbers looking good? Make them real.
Three quick questions, then a director comes back to you within one business day. No obligation, and we'll tell you honestly if the answer is “not yet”.