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Home Loans

Buying, upgrading or downsizing. We put lenders side by side and place your loan where the policy actually fits.

A home loan is not one product with one price. Every lender scores your income, your debts and the property itself differently, and the gap between the best and worst answer for the same person is often tens of thousands of dollars over the life of the loan.

We start with your numbers rather than a rate table. Once we know how your income is earned, what you owe and what you are trying to buy, we can tell you which lenders will say yes, which will say yes with conditions, and which are a waste of your time.

Estimate your repayments

$650,000
6.10% p.a.
30 years

Your estimated repayment

$3,939/month

Total interest

$768,028

Total amount

$1,418,028

Estimate only, based on a principal and interest loan with the rate held constant for the full term. It excludes fees, lenders mortgage insurance and rate changes, and it is not an offer of credit.

What we look at

Borrowing power, checked properlyWe run your file across the panel so you walk into an auction knowing your real ceiling, not an online estimate.
The cost after the honeymoonIntroductory rates expire. We compare the ongoing rate, the fees and the offset arrangement, because that is what you actually pay.
Offset, redraw or bothSmall structural choices change how quickly the balance falls. We set the loan up so extra repayments still count.
Pre-approval that means somethingWe push for assessed pre-approval rather than a system-generated number, so your offer carries weight with agents.

Our Lending Partners

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