Find a home loan that fits.

Compare lender options, repayments and buying costs with home loan broker support before you make your next move.

Buying a home starts with clear broker support.

What matters when buying a home:

Deposit, savings history and genuine savings can affect lender choice
Borrowing power should be checked before relying on a purchase price
Stamp duty, government costs and settlement costs need room in the budget
Pre-approval conditions should be understood before making offers
Loan features such as offset, redraw and fixed/variable splits can matter
Property type, valuation and lender policy can change the final answer

Repayments calculator

Estimate repayments from purchase price, deposit, loan amount, LVR and upfront government costs.

Purchase price Deposit / cash contribution Target LVR Calculated loan amount State / territory Buyer type Interest rate Loan term Frequency

Estimated monthly repayment$0

Calculated loan amount$0

Estimated LVR0.0%

Government costs$0

Deposit required$0

Repayment frequencyMonthly

Principal and interest estimate only. Fees, offsets, lender policy and actual assessment rates can change the outcome.

Repayment and government cost estimates are general only. This LVR uses purchase price plus estimated government costs for planning. Lenders may calculate LVR against property value only and may treat costs, LMI, concessions and loan structure differently.

The buying loan path

The cleanest purchase is usually a deposit, borrowing power and lender policy check before you start signing contracts.

1. Check deposit and costs

We map your savings, contribution, stamp duty, fees, LVR and likely cash buffer.

2. Compare lenders

We compare lender policy, rate options, repayments, features and approval fit from our lending panel.

3. Get pre-approval ready

If suitable, we prepare income, expense, debt and savings documents for lender assessment.

4. Offer and approval

Once you find a property, lender valuation, contract timing and final approval conditions are checked.

5. Settlement and review

We help keep settlement steps clear, then review your repayment setup, offset and next checkpoint.

More calculators

Servicing

Servicing calculator

Construction

Construction calculator

Refinance

Refinance calculator

Stamp duty

Stamp duty calculator

Buying a home questions

When should I speak with a broker before buying?

It is helpful to speak with a broker before making an offer so you understand borrowing power, deposit needs and pre-approval options.

Can you help with pre-approval?

Yes. Winning Home Loans can help compare lenders and prepare a pre-approval application where suitable.

Do first home buyers and investors use different loans?

The right loan can depend on the property purpose, deposit, income, lender policy and future plans.

Let's get you a Winning Home Loan

Apply online or book a broker call and we will help you understand the right next move for your situation.

Start application Book a call

Multiple lendersWe do the hard work so you don't have to.

$0Broker service cost to you in most settled loans.

1:1Guidance from application through settlement.

Australia wideLocal broker support with Australian lender access.