Calculator
Deposit & Upfront Cost Calculator
Compare deposit sizes, duty, LMI and your remaining savings before making an offer.
Guides & Insights
Explainers on borrowing power, repayments, LMI and more — written for Australians.
Calculator
Borrowing Power
Hidden Factors That Reduce Your Borrowing Power
How much can I borrow?” is the right first question — but the answer…
Borrowing Power
How Extra Income Can Affect Borrowing Power
How lenders may assess verified rental, employment and self-employed income…
Repayments
Fixed vs Variable Home Loans: How to Choose
Compare repayment certainty, flexibility, offset features and break-fee considerations…
First-home buyers
First Home Buyer Hub: Plan Your Purchase
Estimate borrowing power, deposit, stamp duty, LMI and repayments before you make an offer.
LMI
What Is Lenders Mortgage Insurance (LMI)?
Understand when LMI applies, typical costs, and ways to reduce or avoid it…
Calculator
Refinance Break-Even Calculator
Compare a new home-loan offer with your current loan, including fees, switching costs and the balance still owing.
Repayments
Refinancing Hub: Compare Rates, Costs and Repayments
Work through a refinance using repayment, break-even and loan-feature checks.
Negative Gearing
Property Investor Hub: Model Rental Cashflow
Bring rent, vacancy, expenses, loan costs and tax effects into one practical check.
firsthome
Australian Government Home Buyer Schemes: 5% Deposit and Help to Buy
Compare the Australian Government 5% Deposit Scheme and Help to Buy, including deposits, income limits, price caps and shared-equity trade-offs.
neggearing
Investment Property Cashflow: A Practical Australian Investor Check
Estimate rental income, loan costs, vacancy and expenses to understand the real cashflow pressure of an investment property.
neggearing
Investment Property Expenses: What to Budget For Before You Buy
Build a more realistic Australian investment-property budget by accounting for finance, vacancy, management, maintenance and ownership costs.
repayments
Home Loan Refinance Checklist: What to Compare Before You Switch
A practical Australian refinance checklist covering rates, loan features, documents, costs and the questions to ask before applying.
repayments
Refinancing Costs and Break-Even: Is a Lower Rate Worth Switching For?
Compare your likely refinance costs with monthly savings and work out a practical break-even point before you switch lenders.
borrowing
How HELP or HECS Debt Can Affect Your Borrowing Power
Learn why lenders look at your compulsory HELP repayment and how to model it without guessing your eligibility.
firsthome
First Home Buyer Costs in Australia: Build Your Upfront Budget
Plan for the deposit, stamp duty, legal work, inspections, LMI and moving costs before you make an offer.
stampduty
First Home Buyer Stamp Duty: How to Check Your Costs and Concessions
Learn how first-home buyer transfer-duty concessions work, why eligibility matters, and how to estimate costs safely.
firsthome
How Much Deposit Do You Need for a First Home in Australia?
Understand the trade-off between a bigger deposit, LMI, upfront costs and the time it takes to keep saving.
lmi
LMI for First Home Buyers: What It Is and How to Compare Your Options
Understand when Lenders Mortgage Insurance may apply, what it changes, and how to compare a smaller deposit with waiting longer.