Smart home loan
decisions start here
Free calculators, stamp duty tools, and expert guides to help you navigate Australian home loans — whether you're buying your first home, refinancing, or investing.
Everything you need to make smarter home loan decisions
Free calculators, step-by-step guides, and AI-powered answers — all in one place. No sign-up needed, and nobody contacts you unless you choose to leave your details.
Borrowing Power Calculator
See how much Australian lenders will actually lend you — factoring in HEM expenses, APRA buffer, and your real financial picture.
Stamp Duty Calculator
Calculate stamp duty for every Australian state and territory — including first home buyer exemptions and foreign surcharges.
Loan Comparison Tools
Compare fixed against variable, interest-only against principal and interest, and what a refinance actually saves once the switching cost is in.
Eligibility pre-check
Tell the assistant your situation in plain English and it asks for the few figures it needs, then explains what actually decides the outcome — and what would change it.
First Home Buyer Hub
Everything you need: grants by state, 5% deposit schemes, stamp duty concessions, and genuine savings requirements.
Refinancing Guides
When to refinance, cashback offers available now, break-even calculators, and how to negotiate a lower rate.
Latest Guides
Expert-written guides on Australian home loans
Luci Ellis's 'thumb on the scale' critique of the RBA: how Australian borrowers can model repayments at 4.6% and above
Former RBA insider Dr Luci Ellis says three RBA model assumptions lean toward higher rates. Here is how Australian borrowers can model repayments after the move to 4.6%.
29 Sept 2026Australian Mortgage Stress Ahead of an RBA Decision: What Borrowers Should Check
Australian mortgage borrowers face uncertainty as the RBA's next cash rate decision approaches on 29 September 2026. This guide separates a widely reported survey estimate of more than one million at-risk mortgages from the confirmed policy timeline, and shows how to check your own repayment exposure. We explain what the Money.com.au survey found, how a 0.25 per cent rise would take the cash rate to 4.6 per cent, and the practical steps borrowers can take, from stress-testing with a mortgage calculator to reviewing refinancing, offset accounts and lender hardship options.
28 Sept 2026Why Australia’s Housing Downturn Won’t Fix the Affordability Crisis
Australia’s average dwelling price passed A$1 million in early 2025 even as the country faces a housing affordability crisis.
14 Sept 2026Commercial Property Loans in Australia: Types and Key Application Metrics
An introduction to commercial property loan types in Australia and the key assessment metrics — LVR and debt service coverage — lenders consider.
10 Sept 2026Foreign Buyers' Guide: Australia's 2026 FIRB Rules Explained
Understand Australia's 2026 FIRB rules for foreign buyers: application fees, approval process, and common rejection reasons.
9 Sept 2026Commercial Property Loans in Australia: Types and Key Application Criteria
Learn about Australian commercial property loans, including commercial property loans and development loans, and key application criteria such as LVR and debt service coverage ratio.
6 Sept 2026RBA rate path 2026: expert forecasts and hedging strategies
Economists' forecasts for the RBA cash rate in 2026, plus strategies like rate splitting and offset accounts to manage interest rate risk.
4 Sept 2026Which Australian Mortgage Broker Is Best for First Home Buyers?
A practical guide for first home buyers in Australia: how to compare mortgage brokers, what to verify before signing, and where to check rates and licensing.
31 Aug 2026Ready to make smarter home loan decisions?
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