Live CDR Data · Finance Lab lender panel · Complimentary
Calculators
Real rate data from the open-banking feed each lender publishes. No estimates — the same data lenders are legally required to publish to brokers.
Are you on the right rate?
Enter your loan details. We’ll compare your current rate against today’s best variable rates from the Finance Lab panel — live CDR data, refreshed daily.
- Live lender data
- Property value check
- Monthly saving estimate
- No credit check
Should you fix your rate?
Run the numbers. Compare fixing for 1–5 years against riding the variable rate — modelled against your actual loan balance and today’s CDR-sourced fixed rates.
- 1–5 year fixed terms
- Variable rate scenarios
- Total savings comparison
- Compliance-first disclosures
How much could you borrow?
Estimate the loan amount you could service. Income, expenses, debts and deposit go in; we assess it the way a lender does: your net income after tax, living expenses floored at the household benchmark, card limits and other repayments, and a panel variable rate plus the APRA 3% buffer.
- HEM expense benchmark
- APRA 3% buffer baked in
- LMI & stamp duty estimate
- 30-year P&I serviceability
Selling to downsize?
Buying a smaller home in South Australia aged 60+? You may qualify for full stamp-duty exemption on purchases up to $2 million. Enter your figures and see your surplus or shortfall in under a minute.
- SA stamp-duty concession
- Eligibility check
- Surplus or shortfall
- Repayment if short
Buying before you sell?
A bridging loan carries both properties at once. Enter your figures and see whether the peak debt clears the 80% LVR hurdle — and what your end loan looks like after the sale settles.
- 80% peak-debt test
- Peak LVR check
- End debt after sale
- Monthly repayment
Talk to a broker
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Mon–Fri 9am–5pm. The calculators show the numbers — a broker explains what to do with them.
08 8121 3076Or start online
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2 minutes. We’ll review and call you within 1 business day.