Free borrowing power calculator
Home Loan Borrowing Power Calculator
A straight-talking Melbourne mortgage broker. Pre-approval in place before you bid, a team that works to your settlement date, and a rate review for the life of the loan that you don't have to ask for.
Get my borrowing power estimate
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No credit check
Three quick steps, a few minutes
In short
We're a Melbourne mortgage broker that does residential, investment, SMSF and small-commercial property loans. We only take your file to lenders likely to approve it, work to the settlement date on your contract, and keep an eye on your rate after settlement so you don't have to. If we're not the right fit, we'll tell you in the first conversation.
25+ yrs
Lender knowledge on the broker desk
1 file → 1 lender
One credit check, not five
Rate Review
Annual + market-shift, free for life of loan
3 teams
Tax + Wealth in-house if you ever need them
"
Thanks to Craig Nichols, I just recently refinanced my Home Loan. Craig made it VERY easy to steer through the process, and get it finalised. It was professionally handled with a touch of care. I couldn't recommend Craig and his team highly enough!
Melissa Comerford Google review
Common questions
Questions people ask before they get in touch
Straight away. Once you've entered your details, the calculator shows an indicative estimate with no credit check. A broker can then talk you through what it means and what lenders are likely to offer.
For standard residential home loans we are paid a commission by the lender, not a fee from you. Where the work involves complex commercial, SMSF or specialised structuring, a flat fee may apply. We disclose any fee in writing before any work starts.
No, not in the discovery phase. The assessment, the strategy meeting and the lender selection happen before any credit check. We only run a credit check once we've agreed which lender best fits your file, which avoids the multiple credit hits clients pick up shopping bank to bank.
It's a free, ongoing service. Once a year, and any time the market moves enough to matter, we check your current rate against the best buys on our panel and call you if there's a meaningful saving. You don't have to ask. We don't chase saves so small they cost more in fees than you'd gain.
No. Many of our home loan clients only ever use the Mortgages division. The integrated model is there if and when you need it. We'll only ever introduce another team when there's a clear reason for the introduction.
Often, yes. A decline at one bank doesn't mean a decline at every lender. We look at the reason for the decline, repair what can be repaired, and match you to the lender most likely to approve a file like yours.
About this estimate. The calculator gives an indicative estimate only, based on the figures you enter. Living costs are assessed at the higher of the figure you enter and a benchmark for your household, and only part of any non-base income (overtime, allowances, bonuses) is counted, as lenders do. It does not account for rental income or negative gearing, and the estimated purchase price does not include stamp duty or purchase costs. Each lender's own assessment will differ.
A few minutes. An instant estimate. The first useful next step.
No credit check, no commitment. Just a clear number to work with, and a straight-talking team when you're ready to talk options.
Or call (03) 9574 8300
