What we do
HomeLoanAI is a free, independent toolkit for anyone navigating Australian home loans. We built every calculator from scratch using current Australian lending rules, and paired them with an AI assistant that can answer plain-English questions about rates, eligibility, stamp duty, government schemes and more.
Why we exist
Most home-loan tools online are either buried behind broker sign-up walls or difficult to use. We wanted something that does the maths instantly, without collecting your email, and can answer the follow-up questions every calculator raises — "does LMI apply at 12% deposit?" / "can I use the First Home Guarantee on an apartment?" / "what's the minimum deposit for a non-resident?"
Our approach
- Calculators first, AI second. Every tool gives you the numbers directly. The AI is there to explain what they mean, not replace them.
- No sign-up, no lead capture. Use any calculator, ask any question, leave whenever you want. We don't gate anything behind a form.
- Information only, not advice. We are not a credit provider and don't give personal financial advice. Our calculators are estimates; our AI answers are educational. Always consider your circumstances and seek licensed advice before making decisions.
Who built this
HomeLoanAI is maintained by a small team of Australian finance and technology professionals who believe home-loan information should be accessible, accurate and free. Our calculators are regularly updated to reflect changes in RBA cash rate, state stamp duty rules, and lender assessment policy.