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Step 1 - Buy 1/4
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Each state may use a different method in calculating stamp duty payable which is a standard procedure in purchasing property unless you are eligible for stamp duty exemption. This information will help us work out the loan amount you need to buy your property.
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By giving us an indication of the property price, we will be able to work out any additional fees that you may not have considered.
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Each state uses different methods in calculating stamp duty payable, which is standard procedure in purchasing a property. This information will help us calculate an accurate funds position for you.
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If you don't know, that's OK. Give us your best guess. By giving us an indication of the property price, we will be able to work out any additional fees that you may not have considered.
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By giving us an indication of your deposit saved, we will be able to provide you with a more accurate loan amount required for your purchase. Deposits can come from your existing savings and shares.
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Next Step
This information will help to determine whether you're eligible for First Home Owners Grant (FHOG) and/or Stamp Duty Exemption.
This refers to properties that has had a tenant living in it previously or currently being occupied by current owners.
A new property that is recently built like a home and land package or is still in development phase such as off the plan apartments with no previous owners.
Vacant land refers to any land available for purchase, that has no existing property on it.
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What is FHOG?

The First Home Owner Grant (FHOG) scheme was introduced on 1 July 2000 to encourage home ownership by providing financial assistance to eligible people buying their first home. It is a national scheme funded by the states and territories and administered under their own legislation.

Under the scheme, a once-off grant is payable to first home owners that satisfy all the eligibility criteria which can be used as part of your contribution towards your purchasing property.

At a very basic understanding, the below requirements are needed for eligibility:

  • The home must be brand new, or off the plan (no previous owners)
  • Applicants must be over the age of 18
  • At least one applicant must be a permanent resident or Australian citizen
  • Applicants must never have help a relevant interest in any residential property in Australia prior to 1st July 2000.
  • All applicants and/or their spouse/de facto have not owned on or after 1 July 2000 a residential property and occupied that property jointly, separately or with some other person in any State or Territory of Australia for a continuous period of at least six months.
  • Each applicant has entered into a contract for the purchase of a home or signed a contract to build a home on or after 1 July 2000. In the case of an owner-builder, laying of the foundations commenced on or after 1 July 2000.
  • The total value of the property does not exceed the cap amount (Cap amount varies between states).
  • This is the first time an applicant and/or their spouse/de facto will receive a grant under the First Home Owner Grant Act 2000 in any State or Territory (unless subsequently repaid).
  • At least one applicant will occupy the home as their principal place of residence for a continuous period of at least six months, commencing within 12 months of settlement or construction of the home.

    • NOTE: Each state has different requirements and rules applied to FHOG, the above points are not official requirements. For official information, please see http://www.firsthome.gov.au/.

    Our mortgage specialists are able to help apply FHOG as part of your home loan application and used towards your settlement.


We can work out how much extra the FHOG will save you.
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Personal Details

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Applicant 1

Having a regular source of income is a must! Lenders will need to see consistent & steady employment either as self-employed or as an employee where you are paid regularly.
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(Do not include your superannuation)
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Bonuses/Commissions amount and frequency are required.

Applicant 2

Having a regular source of income is a must! Lenders will need to see consistent & steady employment either as self-employed or as an employee where you are paid regularly.
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(Do not include your superannuation)
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Bonuses/Commissions amount and frequency are required.

Assets Details iLenders likes to see a healthy savings and other assets. This adds strength to your application so be sure to include everything

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Property 1

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Current fees and frequency are required.
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Property 2

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Property 3

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Current fees and frequency are required.
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Property 4

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Property 5

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Property 6

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Property 7

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Property 8

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Current fees and frequency are required.
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Property 9

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Current fees and frequency are required.
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Property 10

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Current fees and frequency are required.
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Liabilities Details iIt is important to let the lender know if you have any existing debts. This helps them decide if you fit into their credit policy for a home loan.

Applicant 1

PERSONAL LOAN
Outstanding balance
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Monthly Repayment
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Bank
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CREDIT CARD 1
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 2 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 3 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 4 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 5 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 6 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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Add Card
CAR LOAN
Outstanding Balance
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Monthly Repayment
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Bank
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Applicant 2

PERSONAL LOAN
Outstanding balance
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Monthly Repayment
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Bank
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CREDIT CARD 1
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 2 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 3 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 4 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 5 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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CREDIT CARD 6 (remove)
Limit
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Outstanding Balance
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Bank
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Credit Card Issuer
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Add Card
CAR LOAN
Outstanding Balance
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Monthly Repayment
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Bank
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Living Expense (Monthly)

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Goals & Contact Details

iA redraw facility allows you to make extra repayments into your loan. This helps reduce your interest calculated on your home loan balance while allowing you to withdraw at a later date.
iAn offset account is a transaction or savings account linked to your home loan. Similar to a redraw facility, it is used to reduce your interest calculated but more flexible because you can deposit your salary directly into the account or even set up direct debits.
iThis can help speed up paying your home loan off by paying more than minimum loan amount. Any excess will sit in the redraw facility
iPrincipal and interest loan requires you to pay off part of the principal (the amount you borrowed) loan amount as well as cover the interest repayments.
iInterest only repayments are designed for those who don’t want to pay off the principal amount of the loan and only pay interest on the loan. This type of repayment is common for investors
iFixed interest rate means your interest stays the same over a period of time. Usually a fixed rate will last for a term of 1-5 years or sometimes more depending on the lender. Shifts in the interest rate market won’t affect your interest rate during this time.
iA variable rate home loan is one where the interest rate can go up or down over the course of your loan. The rate is determined by your lender and not the Reserve Bank of Australia although most lenders do broadly follow the general directions of the market. Standard variable are typically more flexible than Fixed Rate loans
iAn online banking is a platform that allows you to perform your banking activities online via the internet.
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We'll be sending across your funds position to you by email, to make sure you still have access to it once you leave our website.
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Check out our lenders
  • Loan Required iThis is how much you will need to borrow from the lender to buy your investment property or property of your dreams.$
  • Contributions iThis is the total amount of deposit that you use towards your purchase. You can include First Home Owners Grant (FHOG) as part of your contribution. Check out our FAQ for more information on your eligibility.$
  • Loan to Value Ratio i

    This is how much you are borrowing against the property reflected as a percentage.

    If your Loan To Value Ratio (LVR) is greater than 80%, then Lenders Mortgage Insurance (LMI) may be applicable.

    Don't worry if you are unsure about anything, simply complete the qualification questions and one of brokers will contact you.

    %

    "Borrowing more than 80% of the property value (LVR) may attract Lenders Mortgage Insurance"

Estimated Cost$

Contributions$0

  • Cash deposit iThis refers to how much savings you want to use for your purchase. This forms part of the CONTRIBUTIONS to work out LOAN REQUIRED.$0
  • Monetary Gift$0
  • First Home Owners Grant iThis is a government grant that helps first home buyers with buying their first property. How much you are entitled to is dependent on what state or territory you are buying in. Visit our FAQ page for more information.$0

All calculations are indicative only and may subject to change at time of application

Loan Comparison

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Our Funds Position give you vision of the potential of your current buying position, to be approved for a loan you will need to speak to a qualified broker.

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