What are you planning?
Three quick questions, then a Melbourne broker gets back to you already across your situation. It doesn't put an enquiry on your credit file.
Borrowing for a business? Business finance
Step 1 of 4
Know your number before you fall for the house
A small Melbourne broking team that shows you the working. See roughly what you could borrow in seconds.
How much could you borrow?
No sign-up. The answer updates as you type.
You could borrow roughly
$405k to $455k
Based on a $95,000 salary, buying alone. Repayments tested at 9.00% (6% plus the 3% buffer lenders must use) over 30 years, with living costs of at least $2,500 a month. See every assumption
- Using the calculator, or talking to us, doesn't put an enquiry on your credit file
- No sign-up to see your numbers
- What you enter stays on Australian servers
Rather just talk? Send us a message.
Rather read up first?
- Buying my first homeBudget, grants and pre-approval before you bid
- Buying my next homeUsing your equity, and whether to buy or sell first
- Buying an investmentBorrowing across a portfolio, with the right structure
- Refinancing my loanA lower rate, or a fixed rate that's ending
Self-employed, or borrowing for a business? Self-employed home loans · Business finance
One conversation, a whole panel of lenders
A bank can only offer its own loans. We compare options from the lenders on our panel, through our aggregator LMG, and take the one that fits all the way to settlement.
Step 1: Tell us your plans
A 20-minute chat by phone, video or in person. We ask about your goals and your life, not just your payslips.
Step 2: Compare, in plain English
We compare loans from our lender panel and show you the trade-offs side by side, with the reasons for our recommendation.
Step 3: We handle the rest
Application, valuation, approval and settlement: we deal with the lender and keep you posted at every step.
We get back to you the way you ask us to: email, phone or text.
What you can count on
- Your interests come first, in writing
- The law requires brokers to act in your best interests and show why a loan suits you. Our Credit Guide explains how we're paid.
- A panel of lenders, not one bank
- Banks and non-bank lenders through LMG. We show you the options that fit and the trade-offs of each.
- Plain English, with the numbers shown
- Every calculator lists its assumptions, and every recommendation comes with its reasons.
- Still here after settlement
- A home loan lasts decades. We'd rather check in each year than disappear once the keys are handed over.
More questions, answered in a minute
Each calculator answers one real question and shows every assumption. No sign-up. The figures below are worked examples.
- What would my repayments be?$2,998 a monthExample: on $500k at 6% over 30 years
- How much stamp duty will I pay?$11,357Example: on a $650k first home in Victoria ($34,070 without the first home buyer rules)
- Could refinancing save me money?$238 a month lessExample: on $550k with 25 years left, moving from 6.60% to 5.90%
- How long until I have a deposit?11 monthsExample: to save 5% of $650k plus costs, from $20k at $1,500 a month
- How healthy is my current loan?Seven quick questions, an instant score and the three things most worth fixing.
The First Home Buyer Playbook
Every step from saving to settlement in Victoria: the grants and concessions, what to ask at inspections and auctions, and a checklist to tick off as you go. Free.
Get the free playbook- How much you need to save
- Grants, concessions and schemes
- Getting pre-approved
- Inspections, auctions and offers
- Contract to keys
Good questions to ask a broker
What does it cost to use a mortgage broker?
Most mortgage brokers in Australia are paid a commission by the lender when your loan settles, rather than charging you. Our Credit Guide sets out exactly how we're paid and any fee that could apply, and if a fee ever applies to you we'll tell you in writing before we start.
Will talking to you affect my credit score?
No. Talking to us, using our calculators and getting a plan together doesn't put an enquiry on your credit file. An enquiry is only recorded when you authorise an application to a lender, and we'll tell you before that happens.
Do you just recommend the lender that pays you most?
No. Australian law requires mortgage brokers to act in your best interests and to put your interests first when there's a conflict. We have to be able to show why the loan we recommend suits you, and we'll explain it in plain English.
Which lenders do you work with?
We compare home loans from a panel of banks and non-bank lenders available through our aggregator, LMG. We'll show you the options that fit, not just one.
How long does it take?
A first chat takes about 20 minutes. Once we have your documents, a pre-approval usually takes a few days to two weeks depending on the lender, and settlement follows your contract date.
Talk to a broker
Tell us what you're planning and how you'd like us to get in touch. The first conversation comes with no obligation, and we'll explain how we're paid before you decide anything.
- We'll contact you the way you choose: email, phone or text
- Talking to us doesn't put an enquiry on your credit file
- You'll get our Credit Guide before we give you any credit assistance