See your repayments in 10 seconds.
An indicative monthly figure for any loan amount and rate. Once you're ready, book a 15-minute call and we'll show you what the real number could be after we shop the panel.
- No credit check, no sign-up required
- Written quote across 3–5 lenders within 24 hours
- Annual rate-benchmarking, every year you're with us
Indicative principal & interest only. Actual rates depend on your situation, lender, LVR and product features. We'll provide a full written comparison before you apply.
How much could you actually borrow?
A realistic look at borrowing capacity using income, expenses, dependants and any existing debts, assessed at the regulator's stress buffer, not the headline rate.
- Uses a 3% buffer on the assessment rate (APRA standard)
- Accounts for living expenses, dependants and existing repayments
- Real capacity often differs by lender, so we model 25+ panels for you
Estimate only. Each lender applies different servicing policies, income shading and benchmarks. Your real capacity could be materially higher or lower. We'll model it across the panel.
Pay it off years sooner.
See how much interest you'd save (and how many years come off the loan) by parking cash in an offset and putting a little extra against principal each month.
- Offset uses every dollar of available cash to reduce interest
- Even small extra repayments compound dramatically over a 30-year loan
- We structure offset + redraw + splits so you keep flexibility
Assumes constant rate, monthly compounding and a steady offset balance. Real-world results vary as your offset balance and rate change.
What is your current loan really costing you?
Compare your existing rate against a sharper one and see the monthly and lifetime difference. Most clients we benchmark are sitting 0.4–0.9% above where they should be.
- Even 0.25% off compounds into tens of thousands over the term
- Cashback and rebate offers often close the switching cost gap
- We re-shop your loan annually, not just at refinance
Assumes principal & interest with no further fees or rate changes. Discharge, settlement and government fees should be weighed before switching. We'll model the full break-even.