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.
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. More options on the table. Fewer surprises down the track.
Three banks. Three different answers. Pilbara Finance found us a fourth — saved us $480 a month.
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.
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.
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.
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.
No bank-branch queues. No mountains of paperwork on the kitchen table.
Tell us what you're after — takes 60 seconds. We'll be in touch within the hour.
We run the numbers across 60+ lenders and bring back your best matches.
We handle the application, chase the lender, and stay on top of it through to settlement.
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.
A few quick details to shape the numbers.
Pick what fits — we'll ask the right income questions next.
Gross figures (before tax). We'll handle the tax calc behind the scenes.
If you own investment properties, we'll factor in the rent.
Total balance owing — we'll work out the monthly impact behind the scenes.
Total balance owing on any vehicle finance — we'll work out the monthly impact.
Total credit limit across all cards — not the balance. Lenders use the limit, not what's owing.
HECS, any other facilities, and your preferred loan term.
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.
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.
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.
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.
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.
Composite scenario built from multiple real Pilbara Finance upgrading owner-occupier transactions. Names, locations and identifying details are illustrative; the timeline, structure and pricing reflect the kind of outcomes our 60+ residential lender panel produces in 2026.
Real reviews from real Google. No curated screenshots, no cherry-picked quotes.
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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.
"Knew every lender on the panel and made the whole process genuinely easy. Saved us a heap."
Already have a home loan? See what a switch could save you per month — and what it actually costs to make the move.
Learn moreBuying your first place? Grants, schemes, low-deposit pathways — we'll walk you through every dollar you're owed.
Learn moreBuying to rent out? Different rules, different lenders, different structuring. We know the good ones.
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