Guide
Home Loan Process
From submission to settlement—every step, who does what, and how to speed things up.
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Timeline & tips
Quick, practical estimates to help you plan. Results are illustrative only – talk to a broker for advice tailored to your situation.
Model a fixed/variable split against a single all-variable loan on the same term. Useful when weighing rate certainty vs flexibility.
Assumes principal & interest over full term at the stated rates for each portion.
Work out how many months until lower repayments offset the cost of switching.
Includes switching costs and first-year package fee in break-even.
Choose a target payoff date and see the extra monthly amount needed.
Assumes constant rate; directing extras to the loan (or offset) reduces interest.
Sensitivity to assessment buffer and living expenses. Uses a simple cash-flow approach for illustration.
This is a coarse stress-test. Your actual capacity depends on lender policy, buffers and HEM tables.
Compare an IO period followed by P&I with a straight P&I loan for the full term.
Interest-only period reduces initial repayments but increases later P&I amount and total interest.
Estimate peak debt and interest while you own both properties.
Does not include legal fees, stamp duty, or sale/purchase costs.
Illustrates the shift from non-deductible home debt to deductible investment debt vs leaving cash in an offset.
This is a simplified illustration. Tax advice is essential; redraw usage and documentation matter.
These calculators use standard amortisation maths and Australian conventions. Results are estimates only and not a credit approval or advice. Rates and policies change — book a quick chat for tailored guidance.
Tools to save time, avoid mistakes and move from curiosity to approval with confidence.
From submission to settlement—every step, who does what, and how to speed things up.
Pro strategies before private treaty or auction—how to win without overpaying.
Find the best path—first home, refinance, investor and more. Simple information.
The 10 tripwires lenders watch—how to fix them fast and avoid them next time.
Room-by-room checks, building/pest red flags and questions to ask. A printable checklist.
Submit once and cleanly: ID, income, liabilities, savings and property docs. Borrow type information.
From utilities to the first-night box—everything to tick off for a smooth move.
Borrowing power, costs, pre-approval, search, offer and settlement—step by step.
A full set of calculators for repayments, borrowing power, savings goals and more.
Compare interest and flexibility when splitting between fixed and variable loans.
See how savings in an offset account can reduce interest and shorten loan term.
Check how lender’s mortgage insurance exemptions could save you thousands.
Estimate fortnightly or monthly repayments across different loan terms and rates.
Convert income and expenses to monthly totals and set a realistic repayment buffer.
Whether you’re buying your first place, upsising, investing, or optimising your current loan, these tailored options make the next step simpler.
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Affordable solutions and expert guidance to help you secure your first home with confidence.
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Flexible financing options to help you purchase your next property with a smooth, stress-free process.
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Optimise your mortgage with sharper rates, better loan features, and terms that fit your goals.
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Smart finance structures to grow your portfolio while balancing cash flow and long-term returns.
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Innovative strategies that let you rent where you want to live and invest where it makes sense.
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Specialised lending solutions for trusts and estate investment structures.
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Leverage your super with compliant lending options for property investment inside your SMSF.
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