Free tools and plain-English guides to help you understand your position at your own pace — no forms, no pressure. Have a play with the numbers, read up on anything you're unsure about, and whenever you'd like to talk it through, I'm a 20-minute chat away.
Book a callSimple, honest tools to help you see what's possible before we talk. Rates and thresholds are reviewed monthly — last reviewed 1 September 2026.
See what a loan of any size actually costs each week, fortnight or month — and what a rate change would do to it.
Open calculator →Find out how much interest you'd save, and how many years you'd cut off, by paying a little extra.
Open calculator →Work out your loan-to-value ratio and whether lender's mortgage insurance is likely to apply.
Open calculator →Estimate transfer duty in any state or territory, including first home buyer concessions — checked monthly.
Open calculator →Set a deposit target and see what you need to put aside each month to get there.
Open calculator →Lenders read self-employed income very differently from each other. Some want two years of tax returns, others will work from one year, and a few will assess from business bank statements or an accountant's declaration. That variation is usually the difference between a no and a yes, so the honest answer is: it depends on which lender we take you to. That's what the first conversation sorts out.
No. Plenty of loans are written with less, though under 20% usually means lender's mortgage insurance, and some professions and guarantor structures are exempt. The deposit and LVR calculator will show you where you sit.
There's no fee for my standard home loan work — the lender pays a commission on settlement, and I disclose it to you in writing before you apply. Where a situation is genuinely complex, any fee is agreed with you up front, never a surprise.
Yes — it's one of the things I do most. A tax debt doesn't automatically rule you out, and there are lenders who will refinance to pay it out. It comes down to how the debt came about, whether there's a payment arrangement, and what the equity position looks like.
From a complete application, most lenders come back with a decision inside a few days to a couple of weeks, depending on the lender and how straightforward the file is. Getting your documents in early is the single biggest thing that speeds it up.
No jargon, no 40-page PDFs you'll never finish — just the things I explain over and over, written down so you can read them at midnight if that's when the worrying happens. Pick one and it downloads straight away.
If nothing happened, click here to download it. Any questions after reading it, just book a 20-minute chat.
No cost, no obligation and no sales pitch — just a proper look at where you stand and what your options are.
