Loans Built Around Your Life
FIFO swings. Self-employed. Two-income family. Coming back from overseas. Whatever your shape, we know which lenders will say yes — and we structure your application so it lands at the right desk first time.
Home Loans
Your Next Home,
Your Next Home,
Sorted Right
Upgrading, buying again, or coming back from up north — we'll compare 60+ lenders to find a home loan that fits how you live, not how the bank wants you to.
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The Right Loan Isn't Always Your Bank's Loan
If you're walking back into the same bank you've used for years, you're seeing one offer — theirs. We compare across 60+ lenders to find the one that actually fits your situation today, not the one you signed up for a decade ago.
Whether you're upsizing for the kids, downsizing now they've moved out, or buying again after a few years renting, we line up your options side by side. Sharper rates. Smarter structures. None of the runaround.
60+ lenders
5 days pre-approval
Specialist advice
Access to 60+ Lenders — We Compare So You Don't Have To
Why Choose Us
Why Aussies Choose Pilbara Finance for Their Home Loan
On Your Side
60+ Lenders, One Conversation, Your Best Deal
The big four don't budge unless they have to. We make them — by stacking them up against credit unions, non-bank lenders, and specialists who'll fight for your business. Then we walk you through every option in plain English.
We Do the Heavy Lifting
Forms, follow-ups, valuations, broker-to-bank tag — we handle all of it. You get on with picking the colour of the kitchen splashback. We'll keep things moving.
Real Brokers, Plain English
No call centres. No outsourced loan officers. You get the same broker from first chat to settlement day, and they'll tell you straight if a deal isn't worth doing.
Simple Process
Three Steps. Done.
No bank-branch queues. No mountains of paperwork on the kitchen table.
Enquire
Tell us what you're after — takes 60 seconds. We'll call you back the same day.
We Compare
We run the numbers across 60+ lenders and bring back your best matches.
Sorted
We handle the application, chase the lender, and stay on top of it through to settlement.
Calculator
How much could you borrow?
A quick way to get a feel for what lenders might offer based on your income and current commitments. Your real number depends on the lender, the loan, and you.
First — about you
A few quick details to shape the numbers.
Buying alone or with a partner?
How many dependants?
State or territory
How are you earning?
Pick what fits — we'll ask the right income questions next.
You
Your partner
Your income
Gross figures (before tax). We'll handle the tax calc behind the scenes.
Combined annual income
$0
Slide the values below to see this update.
You
Your partner
Any rental income?
If you own investment properties, we'll factor in the rent.
Do you own investment properties?
Any personal loans?
Total balance owing — we'll work out the monthly impact behind the scenes.
You
Personal loan balance
$0
Your partner
Personal loan balance
$0
Any car loans?
Total balance owing on any vehicle finance — we'll work out the monthly impact.
You
Car loan balance
$0
Your partner
Car loan balance
$0
Your credit cards
Total credit limit across all cards — not the balance. Lenders use the limit, not what's owing.
You
Total credit card limits
$0
Your partner
Total credit card limits
$0
Last bit — other commitments
HECS, any other facilities, and your preferred loan term.
Do you have a HECS-HELP debt?
Does your partner have a HECS-HELP debt?
BNPL & other balances (Afterpay, Zip, store cards, lines of credit)
$0
Loan term
Your indicative borrowing power
You could borrow between
$0
–
$0
Based on your income and current commitments. The range reflects how different lenders assess servicing — your real number depends on the lender and your full circumstances.
Property price you could target
$0
–
$0
Borrowing $0
·
Deposit $0
Get specific
Want a real number for your situation?
This calc gives you a feel for it. To get a number you can actually use, talk it through with one of our brokers — no pressure, no commitment, just a proper look at what's possible for you.
60+ lenders
4.9 Google rating
1,300+ Australians helped
Estimates only. This calculator does not assess your borrowing capacity, does not take your full personal circumstances into account, and is not a credit offer or recommendation. Lender servicing assessments vary; your actual borrowing capacity will be confirmed by a lender as part of a formal application. Tax brackets are based on the Australian Taxation Office 2025-26 resident schedule. Pilbara Equities Pty Ltd, CRN 478535, of Mortgage Specialists Pty Ltd, ACL 387025.
The Detail
Everything You Need to Know
Fixed rates lock in your repayments for 1–5 years — handy if you want certainty in the budget. Variable rates move with the market — they can drop, but they can also rise. A split loan does both: part of your loan fixed, part variable, so you get a bit of certainty and a bit of flexibility. We talk through what makes sense for your situation, not what's flavour of the month.
An offset account sits beside your loan — every dollar in there reduces the interest you pay. Got $20K parked in offset against a $500K loan? You only pay interest on $480K. Redraw is similar but works differently — it lets you pull back extra repayments you've made. Most loans offer one, the other, or both. We match the loan to how you actually use your money.
Banks look at your income, your expenses, your existing debts, and how many dependants you have. They run it through a serviceability calculator and spit out a number. The catch: every lender uses a different calculator. Some count overtime, some don't. Some accept rental income at 80%, others at 70%. We know which lender will give you the most based on your actual situation — not a generic formula.
Pre-approval (3–5 business days) → make your offer → formal approval after the bank valuation (5–7 days) → settlement (typically 4–6 weeks from contract). We handle the lender chasing, paperwork wrangling, and broker-to-bank communication. You handle finding the right home and signing where we tell you to.
Real Story
How We Helped Mark & Tina
Mark & Tina
Upgrading family, Mandurah
The Situation
Mark's a Telstra tech, Tina's a casual nurse. They wanted to upgrade from their first home — three bedrooms wasn't cutting it with two kids and a third on the way. They went to their existing bank first. Got a number. Went to a second bank for a second opinion. Got a worse number. Walked out unsure what was real.
What We Did
We pulled apart their income properly — Tina's casual hours that the first bank had ignored, Mark's overtime, their offset balance. Three lenders said yes. The best of the three came back with a sharper variable rate and an offset account that'll save them around $480 a month over the first year. Pre-approval back in five days, formal approval ten days after that.
$480/mo
Saved on repayments
5 days
To pre-approval
10 days
To formal approval
Common Questions
Home Loan FAQs
Standard answer: 20%, which avoids Lenders Mortgage Insurance (LMI). But you can buy with as little as 5% if you accept LMI, use a family guarantee, or qualify for one of the federal home guarantee schemes. We show you every option side by side.
Depends on your situation. Fixed gives you certainty for 1–5 years — good if you've got a tight budget or you reckon rates are heading up. Variable gives you flexibility — extra repayments, offset, redraw. Plenty of our clients go split: part fixed, part variable. We model both before you decide.
Pre-approval: 3–5 business days. Once you've found a property and signed a contract, formal approval usually lands 5–7 days after the bank valuation. Settlement is typically 4–6 weeks from contract date. We chase the lender so you're not refreshing your inbox every five minutes.
Absolutely. We started in the Pilbara helping FIFO and self-employed clients — it's where we're strongest. Some lenders are difficult about non-PAYG income. Others love it. We know who's who.
A bank shows you their loans. We show you 60+. We work for you across the whole panel — not for any one lender's product line. And if your situation's complex, we'll know which lender to take it to first instead of you finding out the hard way.
Yep. A bank decline doesn't mean you can't get a loan — it means that bank's policy didn't fit. We work with non-bank lenders and specialist lenders who look at things differently. Most of our second-opinion enquiries end up approved within a couple of weeks.
What People Say
Straight Talk, Straight Back.
Real reviews from real Google. No curated screenshots, no cherry-picked quotes.
4.9 on Google · 80+ verified reviews
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Takes about 60 seconds. We'll call you back within the hour.
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4.9 from 240+ Google reviews
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A few quick details and we'll give you a ring. Usually takes about 30 seconds.
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★★★★★4.9 from 240+ Google reviews
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Here's what we've got. Hit send and we'll be in touch, or add a quick note first if you want.
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Ready to find
the right loan?
A no-obligation chat with a broker who'll look at 60+ lenders — and tell you straight if there's a better deal than what you're already on.
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