Home

Explore your home loan options

Advice built around your goals and circumstances.

Discuss your plans

First Home BuyersGuidance from deposit planning through to settlement.

Complete first-home guide Pre-approval Deposit planning Government schemes 5% Deposit Scheme Buying costs in Victoria

Next Home BuyersPlan your sale, purchase, equity and loan structure.

Buy first or sell first?Bridging loans Using equity for your next home

Property InvestorsFinance strategies for one property or a growing portfolio.

Investment property loans Using equity to invest Interest-only loans Portfolio lending

Professional LendingSpecialist lending and potential LMI benefits for professionals.

Medical professionals Accountants Lawyers Professional LMI waivers

Credit ImpairedPractical pathways when your credit history is not straightforward.

Bad-credit home loans Home loans after defaults Home loans after bankruptcy Refinancing with bad credit

Construction LoansFunding for new builds, renovations and progress payments.

House and land packages Progress payments Knockdown rebuild loans Renovation loans Owner-builder loans

Guarantor LoansUnderstand family guarantees, limits and release strategies.

Family guarantee loans Guarantor requirements Parents as guarantor Limited guarantees Removing a guarantor

Australia-wideOnline mortgage advice wherever you are in Australia.

New South Wales Queensland Western Australia South Australia Tasmania Australian Capital Territory

Featured mortgage calculatorsStart with the three calculations borrowers use most.View all

First Home Buyer CalculatorExplore first home buyer affordability, deposit position, purchase costs, borrowing estimates and potential government assistance in Australia.Open calculator Borrowing Capacity CalculatorEstimate how much you may be able to borrow for a home in Australia based on your income, expenses, commitments and loan settings.Open calculator Repayment CalculatorCalculate weekly, fortnightly or monthly Australian home loan repayments and explore how extra repayments could reduce interest and shorten your loan term.Open calculator Stamp Duty CalculatorEstimate Australian property stamp duty and relevant buying costs based on your state, property value and buyer type.Open calculator Refinance CalculatorEstimate potential home loan refinancing savings and compare your current mortgage with a proposed new loan.Open calculator Offset CalculatorEstimate how an offset account balance could reduce home loan interest and shorten your loan term in Australia.Open calculator

Latest mortgage insights

Practical guidance for confident property and lending decisions.

View all insights

15 October 2026

Repayments Look Affordable—Why Can’t I Borrow?

4 October 2026

Help to Buy Scheme: Eligibility, Deposit and Property Caps

1 October 2026

How the 5% Deposit Scheme Guarantee Works in Australia

1 October 2026

September 2026 Rate Rise: Check Your Home Loan Cost

28 September 2026

Consolidate Debt Into Mortgage: Costs, Risks & Steps

26 September 2026

5% Deposit Scheme: 10-Year Rule for Past Owners

Useful resources

First-home buyer guides Mortgage calculators Free RP Data Reports

Ask a mortgage question

About Contact

Free RP Data Reports 03 9125 4339

Open menu

Home

Home Loans

First Home Buyers

View First Home Buyers overview Complete first-home guide Pre-approval Deposit planning Government schemes 5% Deposit Scheme Buying costs in Victoria Stamp duty in Victoria Family guarantee loans Mistakes to avoid

Next Home Buyers

View Next Home Buyers overview Buy first or sell first?Bridging loans Using equity for your next home

Property Investors

View Property Investors overview Investment property loans Using equity to invest Interest-only loans Portfolio lending

Professional Lending

View Professional Lending overview Medical professionals Accountants Lawyers Professional LMI waivers

Credit Impaired

View Credit Impaired overview Bad-credit home loans Home loans after defaults Home loans after bankruptcy Refinancing with bad credit

Construction Loans

View Construction Loans overview House and land packages Progress payments Knockdown rebuild loans Renovation loans Owner-builder loans

Guarantor Loans

View Guarantor Loans overview Family guarantee loans Guarantor requirements Parents as guarantor Limited guarantees Removing a guarantor

Australia-wide

View Australia-wide overview New South Wales Queensland Western Australia South Australia Tasmania Australian Capital Territory Northern Territory

Calculators

View all calculators First Home Buyer Calculator Borrowing Capacity Calculator Repayment Calculator Stamp Duty Calculator Refinance Calculator Offset Calculator

Insights

View all insights Repayments Look Affordable—Why Can’t I Borrow?Help to Buy Scheme: Eligibility, Deposit and Property Caps How the 5% Deposit Scheme Guarantee Works in Australia September 2026 Rate Rise: Check Your Home Loan Cost Consolidate Debt Into Mortgage: Costs, Risks & Steps 5% Deposit Scheme: 10-Year Rule for Past Owners

Useful resources

First-home buyer guides Mortgage calculators Free RP Data Reports

About Contact Call 03 9125 4339 Book an appointment

Home loan calculator

Offset Calculator

Estimate how an offset account balance could reduce home loan interest and shorten your loan term in Australia.

Offset Calculator

Compare your loan with and without an offset balance, using either the scheduled or your actual monthly repayment.

Loan details

Loan amount

Interest rate

Remaining loan term (years)

Actual monthly repayment

Optional. Leave blank to use the calculated minimum.

Offset strategy

Average offset balance

Loading calculator…

Strategic mortgage advice tailored to you. Let’s discuss your plans and find a better rate for your future.

Explore

Home About Insights Contact Home loan options Calculators Free RP Data Reports Book appointment

Get in touch

03 9125 4339 chris@findabetterrate.com.auLevel 14, 330 Collins Street
Melbourne VIC 3000

Privacy Terms