5 things to do before applying for your first home loan
Small moves you can make in the months before applying that can have an outsized impact on your borrowing power.
Read article →Practical tools, plain-English guides and answers to the questions clients ask us most.
Get a quick estimate of how much you might be able to borrow based on income and expenses.
Try it →See your estimated monthly repayments for any loan amount, term and rate.
Try it →Estimate stamp duty and any first home buyer concessions in your state.
Try it →Find out roughly how much Lenders Mortgage Insurance might cost on your loan.
Try it →Compare your current loan to the market and estimate your potential savings.
Try it →See how making additional repayments could shorten your loan and save interest.
Try it →A complete walkthrough of the journey from saving for a deposit to picking up the keys.
Request the guide →What to gather and what to ask before deciding whether refinancing is right for you.
Request the checklist →How to structure your first investment loan and avoid the most common mistakes.
Request the pack →Small moves you can make in the months before applying that can have an outsized impact on your borrowing power.
Read article →The trade-offs explained in plain English, and how to think about it for your situation.
Read article →One of the most underused features of Australian home loans — here's what it does and when it pays off.
Read article →In most cases, the lender pays us a commission when your loan settles. This doesn't change your rate. We disclose exactly how we're paid in our Credit Guide, which we provide before you commit to anything.
For most home loan scenarios, no. There are some specialist or complex situations where a fee may apply — if that's the case, we'll be upfront about it before you commit.
We work with a panel of over 30 lenders, including the major banks, mid-tier banks, customer-owned banks and specialist non-bank lenders. We can show you the full list at our first meeting.
A pre-assessment doesn't impact your credit file. Once you decide to formally apply for a loan, the lender will run a credit check, which is recorded on your file. We're careful not to lodge multiple applications unnecessarily.
From first conversation to settlement is typically 4–8 weeks for a purchase, depending on the lender, the property and how quickly we receive your documents. Refinances can be faster.
Generally: ID, recent payslips, last two years of tax returns (if self-employed), bank statements, statements for any existing loans or credit cards, and details of expenses. We'll send you a tailored list after our first chat.
Yes — self-employed clients are a big part of what we do. Different lenders treat self-employed income differently, and we know which ones are likely to accept your situation.
We take complaints seriously. Our internal complaints process is set out in our Credit Guide, and if you're not satisfied you can escalate to the Australian Financial Complaints Authority (AFCA).
Drop us a quick message and one of our brokers will get back to you.