About HomeLoanAi

What we do

HomeLoanAi provides free, independent calculators and guides for Australian home buyers, refinancers, and property investors. We cover borrowing power, stamp duty across all states, loan comparisons, repayment strategies, and every major government scheme — all without requiring sign-up or personal data.

Why we built this

The Australian home loan market is complex. Lenders use different formulas, states have different stamp duty rules, and government schemes change every budget cycle. We built HomeLoanAi to give you clear, data-backed answers without the sales pitch. Our calculators use real APRA buffers, real tax tables, and real state-specific stamp duty rates — updated for 2026-27.

Our principles

• Free forever — no sign-up, no paywall, no credit card required
• Unbiased — we don't sell loans or take commissions from lenders
• Data-driven — every calculator uses official rates, buffers, and thresholds
• Privacy-first — we don't collect or store your personal data
• Australian-owned — built for Australian buyers, by Australians

What we offer

• 12 free calculators — borrowing power, stamp duty, loan repayment, refinance savings, offset, lump sum, extra repayments, buy vs rent, income tax, loan comparison, interest-only vs P&I, and savings goal
• 70+ expert guides — covering every aspect of the Australian home loan journey, from first home buyer schemes to refinancing strategies
• State-by-state stamp duty tables — complete 2026-27 rates for NSW, VIC, QLD, WA, SA, TAS, NT, and ACT
• AI-powered Q&A — ask questions about any aspect of Australian home loans and get clear, referenced answers

Disclaimer

HomeLoanAi provides general information only. It is not financial advice, legal advice, or a credit recommendation. Calculators produce estimates only — actual borrowing power, stamp duty, and loan terms depend on your individual circumstances and the lender's assessment. Always consult a licensed professional before making financial decisions.