Easy Home Loan Calculator
Simplify your mortgage search with an easy home loan. Get your fast home loan estimate now!
This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Simply Compare Our Competitive Home Loan Rates
One of the most challenging aspects of sourcing property finance is finding the best rates. There are thousands of products in the market offering a range of variable and fixed interest rates with varying conditions, LVRs, deposit requirements and approval criteria.
We make the process easier for property buyers by quickly securing the most competitive rates from our massive 80+ lender base. A base which represents multiple mortgage options to suit owner-occupiers, first-home buyers, investors and homeowners looking to refinance, renovate or build.
Use our finance calculator to get your quick estimate and compare our current competitive rates with those offered by others. For a quote based on your specific application requirements, request a quote online now!
Using our services provides buyers with immediate access to a huge lending market. Providing the opportunity to secure the best property finance rates to suit individual profiles and personal preferences. We handle the searching and the lender negotiations to secure buyers the most suitable lending product at the most competitive rates. Request a mortgage consultation to brief us on your specific requirements or request a quick quote!
- Competitive property finance rates – 80+ lender market.
- Expert mortgage brokers to handle individual requirements.
- Save time, save stress, save confusion.
Read more...
Simplify the process of searching for the right mortgage at the best rates with our expert mortgage broker services. Cut the time, confusion and hassle of considering the thousands of lending products in the extensive lending market by having our experts handle the process for you.
We have 80+ lender accreditations to source the most competitive rates and the experience and expertise to structure individual finance to suit your specific requirements.
Connect directly via our online facilities or call for a mortgage consultation.
Use Yes Home Loans for Streamlined Service – All Buyers, All Mortgages
With our 80+ lender accreditations, we provide buyers with different profiles and requirements purchasing a wide range of properties, the opportunity to access literally thousands of lending options. We source the most suitable options for first-home buyers, investors, upsizers, downsizers, renovators, those building their own house or purchasing a house and land package. Save time and secure the most suitable finance product to suit your specific requirements – connect with our experts.
With extensive experience in the property finance sector, we fully understand the specific requirements of property investors. Our experts source and structure the most affordable package to best meet ROI expectations. Investment finance can be secured with as little as 10% deposit. Rates are higher than for owner-occupier loans but with our highly competitive rates, effective solutions may be secured. For an individually sourced solution with workable repayments, brief one of our brokers on your objectives.
Fixed term loans are set for a fixed term after which homeowners need to negotiate or refinance their mortgage. A process which can involve significant decisions around remaining with that lender, switching, moving to a variable interest rate option or remaining with a fixed rate for another term. Our expertise can be invaluable in guiding and advising borrowers on the options and opportunities available to improve on their current position. As with securing new loans, we scour our vast lending market to secure the most affordable and workable refinancing loans. Book a consultation to discuss your requirements with our brokers.
A major obstacle to property ownership can be the 20% deposit requirement. For buyers looking to get into the market with a low deposit, in the range of 5-10%, options may be available to you. We do have access to lenders that approve property loans based on lower deposits. The rates are typically higher than for higher deposits and buyers should be aware of the Lender Mortgage Insurance requirement. For experts to find you the most suitable lender and handle your low deposit finance requirements, book a mortgage consultation now.
Construction Loans are specifically structured to suit the requirements of homeowners carrying out major renovations and to finance building a house. These loans may be offered as a drawdown facility where the homeowner has access to funds to meet builder and other supplier costs when needed. Alternatively, funding may be provided in instalments, in line with the schedule of progress payments by the main contractor. To submit an application for construction finance, applicants will need to include plans that have been approved or are awaiting approval by council and a quote from a builder. For our brokers to source the solution that best suits your project, connect with us.
Access to Extensive Selection of Lending Products
With our 80+ lender accreditations, we provide buyers with different profiles and requirements purchasing a wide range of properties, the opportunity to access literally thousands of lending options. We source the most suitable options for first-home buyers, investors, upsizers, downsizers, renovators, those building their own house or purchasing a house and land package. Save time and secure the most suitable finance product to suit your specific requirements – connect with our experts.
Investment Property Finance Sourced & Structure to Suit ROI
With extensive experience in the property finance sector, we fully understand the specific requirements of property investors. Our experts source and structure the most affordable package to best meet ROI expectations. Investment finance can be secured with as little as 10% deposit. Rates are higher than for owner-occupier loans but with our highly competitive rates, effective solutions may be secured. For an individually sourced solution with workable repayments, brief one of our brokers on your objectives.
Refinancing Home Loans Made Simpler
Fixed term loans are set for a fixed term after which homeowners need to negotiate or refinance their mortgage. A process which can involve significant decisions around remaining with that lender, switching, moving to a variable interest rate option or remaining with a fixed rate for another term. Our expertise can be invaluable in guiding and advising borrowers on the options and opportunities available to improve on their current position. As with securing new loans, we scour our vast lending market to secure the most affordable and workable refinancing loans. Book a consultation to discuss your requirements with our brokers.
Expert Assistance with Low Deposit Property Finance
A major obstacle to property ownership can be the 20% deposit requirement. For buyers looking to get into the market with a low deposit, in the range of 5-10%, options may be available to you. We do have access to lenders that approve property loans based on lower deposits. The rates are typically higher than for higher deposits and buyers should be aware of the Lender Mortgage Insurance requirement. For experts to find you the most suitable lender and handle your low deposit finance requirements, book a mortgage consultation now.
Secure Workable Construction Loans – Renovations, House Building Projects
Construction Loans are specifically structured to suit the requirements of homeowners carrying out major renovations and to finance building a house. These loans may be offered as a drawdown facility where the homeowner has access to funds to meet builder and other supplier costs when needed. Alternatively, funding may be provided in instalments, in line with the schedule of progress payments by the main contractor. To submit an application for construction finance, applicants will need to include plans that have been approved or are awaiting approval by council and a quote from a builder. For our brokers to source the solution that best suits your project, connect with us.
No Referral, Connect Directly with Yes Home Loans Brokers – Comprehensive Mortgage Portfolio
- Direct connection with specialist home loan brokers.
- Simplify finding the right property finance product.
- Complete portfolio of home loan options.
- Simpler approach to sourcing affordable property finance.
- Experts to guide, advise, source your finance.
User-Friendly Home Loan Calculator – Fast, Reliable Estimates
Our user-friendly property finance calculator is THE essential tool for all buyers requiring finance. The calculator quickly converts property prices to estimated finance repayments for all lending options. Buyers are empowered to easily evaluate the affordability of individual properties based on finance estimates. Rates can be quickly compared to assess lender competitiveness, and loan amounts vary to assist with deposit decisions.
Using the calculator is extremely simple with no special knowledge of property finance or maths skills needed. Simply type in the figures relating to your choice of lending product – rate and term, along with the amount required, and the calculator completes the complex computations. Delivering a monthly repayment estimate instantly.
To ensure reliable results and exceptional functionality, our calculator incorporates the most up-to-date technology available. The calculator is free-to-use as well as simple and can be used to calculate and compare as many options as required. The estimates can be extremely helpful, and our experts are available to provide you with an exact quote based on your individual requirements. Get your estimates now!
- Assist with property selection - convert prices to estimated payments
- Structure property finance to establish preferences.
- Online access to helpful property finance estimates.
Streamlined Home Loan Application Process, Fast Approvals
Make securing property finance simpler and easier with our expert services and streamlined application process. We take an individual approach to sourcing loans for our customers, with buyers receiving personal attention from one of our brokers. We advise on the options available, source quotes for buyer consideration, and structure solutions to best meet individual preferences and budgets.
Our services are available to all property buyers Australia-wide simply by connecting online or by phone. For buyers keen to know their borrowing capacity to guide their purchase, pre-approved loans are available. Upload your details to have one of our brokers provide you with the information and figures to support and expedite your property purchase. Book a mortgage consultation with one of our brokers today!
Most Frequently Asked Questions About Mortgages
What is a home loan broker?
A mortgage broker handles property finance for buyers. The broker acts on behalf of buyers to source the most suitable loans and negotiates with lenders. Brokers use their accreditations with lenders to source loans for customers from those lenders. Brokers advise and guide home buyers on the different finance options available to them and assists with their application.
Can I have my home loan approved before I commit to buying a property?
Yes. Applications for property finance may be submitted and conditionally approved prior to a property being selected or purchased. Applications are assessed by lenders and the borrowing capacity advised. Specific quotes may be secured based on a price estimate of the property being considered.
What is the difference between getting a quote and getting repayments with a calculator?
Online finance calculators are formulated to provide results based purely on the numbers entered by the user. These calculators do not include the lender fees and charges as these can vary with different lenders and different loans. The calculators do not assess the credit profile of the user which may determine the interest rate offered. A quote is an exact offer from a lender based on the specific credit profile of the applicant and typically includes the lender’s fees.
What is a home loan consultation?
An initial consultation with a broker is a discussion held in person, online or by phone, where the broker obtains information on the buyer’s requirements, objectives and financials. The broker then assesses this information and advises the buyer on their lending options. The broker explains the different options available. The consultation is a standard precursor to a specific quote.
What loans require Lender Mortgage Insurance?
Lender Mortgage Insurance applies to home loans with deposits less than 20%, resulting in a higher LVR. These loans are considered higher risk by lenders and to insure against that risk, the lender takes out a mortgage insurance policy. The costs of the policy are included in fees charged to the borrower.
Where do I get a referral to a home loan broker?
No referral is required to access mortgage broker services. Property buyers requiring finance can contact brokers directly. Brokers may handle all types of property finance or may specialise in one specific area.
What loans are available for a land and house package?
House and land packages may be financed with construction loans or with standard mortgages, depending on the way the purchase is made. Where the house is under construction or to be constructed, a combination of a mortgage for the land and a construction loan for the build may suit. Buyers can consult with brokers and lenders as to the most suitable option for their purchase.
What is LVR?
LVR is the loan-to-value ratio. This is represented as a percentage of the amount of the property finance compared with the value or price of the property. A higher deposit delivers a lower percentage LVR and a lower deposit a higher LVR. Lenders assess LVR as part of the application assessment process to make rate and finance offers and determine if LMI is applicable.
Can I get approved for a mortgage with less than 20% deposit?
20% is the standard deposit requirement for an owner-occupier mortgage. Low deposit loans are available with 5-10% deposit, subject to borrowers meeting the criteria as set by individual lenders. These types of loans may attract higher rates and LMI.
What renovations can be financed with a construction loan?
Construction loans are used to finance major renovations to existing properties and the building costs of new houses. Major renovations are typically defined as building works which involve structural changes to the property such as extensions, internal and external changes, swimming pools and similar. Smaller projects such as repainting and minor works may be financed with personal loans.
Let Yes Home Loans simplify the process by taking care of the complicated steps for you, so you can enjoy the important things in your life.
