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The Intelligently Structured
Home Loan Blueprint.

Skip generic bank constraints. We systematically map your corporate earnings, trust distributions, and asset profiles to custom lending matrices.

See What You Could Borrow

Adjust the sliders to get a quick estimate of your loan amount and monthly repayment.

$850,000
$170,000
Your LVR 80.00%
Heads Up: Your deposit is below 20%. Lenders Mortgage Insurance (LMI) will likely apply. There are ways around this depending on your situation. Let’s talk.
Estimated Monthly Repayment
$4,072
Based on 5.99% p.a. variable rate over 30 years. This is an estimate only.
Get a More Accurate Assessment

Today’s Best Featured Rates

Current indicative rates across common loan types. Your rate will depend on your situation.

Updated: May 2026
Variable Rate

Owner Occupier Variable

5.99% p.a. 6.02% p.a. Comparison Rate
See If You Can Do Better
Investment

Property Investment

6.24% p.a. 6.29% p.a. Comparison Rate
Talk Investment Strategy
SMSF

SMSF Residential Fixed

6.89% p.a. 6.94% p.a. Comparison Rate
Explore SMSF Options

What Are You Looking to Achieve?

Jump straight to the right information for your situation.

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Build New / Construction

Construction loans work differently to standard home loans. We walk you through draw schedules, progress payments, and what lenders actually need to approve a build.

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Refinance or Access Equity

Looking for a better rate, or want to use the equity in your home? We compare options across 30+ lenders to find what actually works for your numbers.

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SMSF & Complex Structures

Borrowing inside super has strict rules. We specialise in limited recourse borrowing arrangements (LRBA) for both residential and commercial property inside SMSF.

The Broker Behind the Platform

Meet the Broker Behind
How To Home Loan

Getting a home loan approved isn’t about ticking boxes. It’s about knowing which lender fits your situation, how to present your income, and how to structure the deal so it actually gets across the line. We work across 30+ lenders to find what the banks won’t tell you.

MFAA Accredited Credit Representative Australian Financial Complaints Authority (AFCA) Member
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Plain-English Home Loan Guides

No jargon. No sales pitch. Just clear information on how this stuff actually works.

Refinancing

What It Actually Costs to Switch Lenders

Discharge fees, break costs, and clawback periods explained. Know what you’re up for before you refinance.

First Home Buyers

Stamp Duty Exemptions by State

A plain comparison of what first home buyers can access in NSW, VIC, QLD, SA, and WA right now.

Self-Employed

Getting Approved When You’re Self-Employed

How lenders assess ABN income, what documents you need, and how to structure your application.

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