Your dream home is closer than you think.
Find out how much you can borrow now. Instantly.
About a minute · No credit check · No obligation
“When the right home comes along, be ready to say yes.”
What brings you here?
Who's coming home with you?
There are no wrong answers. Rough numbers are perfectly fine.
Not sure about everything? That's completely okay. Share what you can, and we'll fill in the rest together.
Anything else coming in
All optional. Add what applies and skip the rest.
We know it's hard to have all of this at your fingertips. Just do your best, and we'll get you through the rest together.
Almost there
One last question, then your number.
What matters most to you?
Don't worry about getting every figure exact. A broker will go through it all with you, and nothing here touches your credit file.
What you're still carrying
Everyone carries something. Adding it now means no surprises later.
A bit uneasy listing what you still owe? You're not alone. A rough estimate is fine, or leave it blank — no judgement, just help.
You could borrow up to
Your equity
Equity is the part of your home you own outright. Most lenders will lend up to 80% of its value without mortgage insurance, so this is what that could open up for you.
Stamp duty, in plain numbers
What switching could save
What could move your number
Small changes can lift what lenders will offer. These are worked out from your answers, and a broker can pull each lever with you.
Your repayments
What a loan costs each month, by loan length. Slide your rate to see how it changes everything, then tap a row to watch the balance fall.
The rate lenders use to test your borrowing power
This is a safety net, not what you will pay. Lenders simply check you would still be comfortable if rates rose by 3%. Your repayments below use your rate, and your borrowing power uses the safer one. It is there to protect you.
What is APRA?
APRA is the Australian Prudential Regulation Authority, the independent government regulator that keeps Australia's banks and lenders safe and sound. One of its rules says every lender must test a new borrower at a rate at least 3 percentage points above the loan's actual rate.
Loan balance over
Let's make it real.
A number on a screen is only the beginning. Leave your details and a broker will be in touch to turn it into a plan, compare lenders on your behalf and carry the hard parts, so you can get back to the exciting bit: picturing home.
- Your personalised Home Loan Game Plan, prepared just for you
- A lender shortlist matched to your exact numbers
- The steps that lift your borrowing power, in plain English
Free · No obligation · No credit check
Nervous about the next step? Don't be. A broker's whole job is to make this easier — there's no pressure at all.
By sending, you agree a broker may contact you about this enquiry. Your details go to them, and a copy is kept by Surgepoint, the provider of this tool, so it can run and report on the service. They are used only for that.
You're closer than ever, .
A broker will be in touch soon to walk you through your numbers and start shaping your Game Plan. There's nothing you need to prepare. Just hold on to that picture of home. We're already working on it.
Indicative estimate only, not an offer of finance or pre-approval. Borrowing power is tested at the interest rate you select plus APRA's 3.00 percentage point mortgage serviceability buffer (9.50% at the default 6.50% rate), over 30 years. Income is weighted by employment type (full time 100%, part time 90%, casual or contract 80%, self-employed 75%), taxed at 2026-27 resident rates plus 2% Medicare levy, and partner income is counted in full. Living costs use a household-scaled allowance, or your own monthly spending if that is higher, as lenders do. Repayments are shown at the interest rate you select, not the test rate. For refinancing and equity, usable equity assumes lending up to 80% of the home value you entered, and repayment changes on fixed loans assume about 25 years remaining. Refinance savings compare repayments on the same balances at your current rate and the rate you select, and leave out fixed loans with more than three months to run. Your actual capacity depends on the lender, your credit file, a property valuation and full verification.