What are you looking to do?
Select your goal — this helps us tailor your assessment and identify grants or schemes you may qualify for.
🔑
Buy my first home
First home buyer
🏠
Buy my next home
Upgrading or upsizing
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Investment property
Growing my portfolio
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Refinance my loan
Find a better deal
🏗️
Build or construct
Construction loan
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Just exploring
Not sure yet
About you
Your personal situation helps us calculate borrowing capacity and identify any applicable schemes.
Dependants ? Children or others financially dependent on you. Each reduces borrowing capacity.
0 dependants
1 dependant
2 dependants
3 dependants
4+ dependants
Residency Status
Australian Citizen
Permanent Resident
Visa Holder
Credit History
Excellent — no issues
Good — minor issues
Fair — defaults/late payments
Poor — bankruptcies/judgements
Your Age
18–25
26–35
36–45
46–55
56–65
65+
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Your income
Income is the biggest factor in borrowing capacity. Enter all regular annual income before tax.
Employment Type
Full-time employee (PAYG)
Part-time employee (PAYG)
Self-employed / Business owner
Casual employee
Contractor / Freelancer
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Monthly expenses & debts
Be accurate — lenders scrutinise living expenses carefully. Understating can cause problems at formal assessment.
Buy Now Pay Later (BNPL) ? Afterpay, Zip, Klarna etc. Lenders assess BNPL as a liability even if balance is zero.
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About the property
These details determine stamp duty, LMI, and which lenders and schemes apply to your situation.
State / Territory
New South Wales
Victoria
Queensland
Western Australia
South Australia
Tasmania
Australian Capital Territory
Northern Territory
Property Type
House / Townhouse
Apartment / Unit
Vacant Land
Rural / Acreage
Your Deposit / Savings ? Amount going toward the purchase. Stamp duty, LMI and fees are paid on top of this.
New or Established? ? Affects stamp duty exemptions and FHOG eligibility.
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Loan preferences
Almost done! These details help tailor the rate comparison to your situation.
Repayment Type
Principal & Interest
Interest Only
Interest Only is typically used by investors seeking lower short-term repayments
Rate Type
Variable
Fixed
Split
Important Features (select all that apply)
Offset Account
Reduce interest daily
Redraw Facility
Access extra payments
Extra Repayments
Pay off faster
Portability
Take loan to new property
No Annual Fees
Minimise costs
Package Deal
Bundle products
Loan Term
20 Years
25 Years
30 Years
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🔍 Show My Results
Your Smart Home Loan Check
Here's your personalised assessment based on the details you provided.
Estimated Borrowing Capacity
$ —
Loan Required
—
Purchase price minus deposit
LVR
—
Loan to Value Ratio
Est. Monthly Repayment
—
Based on indicative rate
📊 Approval Likelihood
Score —
🧾 Upfront Costs — Full Breakdown
Purchase Price —
Your Deposit —
Stamp Duty / Transfer Duty —
✅ First Home Guarantee — LMI Waiver —
🎉 First Home Owners Grant (NSW) −$10,000
Lenders Mortgage Insurance (LMI) ? Applies when LVR > 80%. First home buyers under state FHG price caps pay $0 LMI. —
Legal / Conveyancing (est.) ~$2,200
Building & Pest Inspection (est.) ~$650
Loan Establishment Fees (est.) ~$600
Total Cash Required (est.) —
📡 Live Rate Comparison Live
RBA Cash Rate: 4.10% (updated March 2026 ). Rates vary by LVR, loan size and profile.
Lender Type
Indicative Rate
Monthly Repayment
Best Suited For
✅ What Happens Next?
📅
Book a call
Schedule a free 15-min strategy call with an expert broker. No obligation.
📋
We compare for you
We search 50+ lenders for your exact situation and present real options.
✅
Pre-approval
We submit to the right lender and get you pre-approved — usually within days.
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Settlement
We manage everything through to settlement. You collect the keys.
Ready to turn this into a real approval?
These are estimates. Our brokers assess your exact situation, compare real lender offers, and find you the best available loan — completely free.
📅 Book a Free Strategy Call
⚠️ The Smart Home Loan Check provides estimates only and does not constitute financial advice, a credit assessment, or an offer of credit. Results are based on inputs provided and general calculation models. Actual borrowing capacity, rates, and costs will vary based on individual circumstances and lender criteria. RBA cash rate data is sourced from public RBA feeds; lender rates shown are indicative ranges only. Get Home Loan is a lead generation service. Your enquiry will be referred to our qualified broker partners. Always seek advice from a qualified and licensed mortgage broker or financial adviser before making any financial decisions.
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