Easy Mortgage Calculator
Get Easy Mortgages with Our Specialist Brokers and Resources. Get Your 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.
Easy Mortgages Secured with Competitive Rates - 80+ Lenders
We assist home buyers to not only secure a home loan easily, but with the most competitive interest rates on the market. The rate is the main determinant of the cost of a home loan.
But rates vary between fixed and variable, between different banks and other lenders in the market, and can have varying terms. Presenting a complicated and time-consuming process for buyers to find their most affordable option. We assist by working on behalf of buyers to find the most competitive rate for the most suitable lending product from our vast lender base.
We also make comparing rates from different lenders a quick and simple process with our loan calculator. Use the calculator to compare rates and request a quote for us to find your most competitive interest rate home loan.
As specialists in the home lending sector, we provide home buyers with the lender connections and expertise to secure the most competitive rates on the market. We have accreditations with over 80+ lenders which include the major banks, other banks, and a selection of other credit providers and non-bank lenders. Using our in-depth knowledge of the criteria our lenders use to approve applications we quickly identify the most suitable lender and the best rates. Request a quote to allow our experts to find your most suitable mortgage option.
- Specialist property mortgage brokers.
- Competitive rates from 80+ lenders.
- Direct access to an easier way to secure a mortgage.
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The home loan market is complex with a large number of lenders, many loan products and multiple considerations for borrowers. Using our specialist services, home buyers can easily secure the loan that suits their property, their profile and their requirements. We uncomplicate the process of securing affordable home loans with highly skilled brokers to handle the individual requirements of each buyer.
Use our calculator to obtain quick estimates and request a quote to connect with our experts.
Streamlined Services, Resources for Easy Mortgages – All Loans, All Properties
As experts in the property lending sector, we provide loan services for all types of properties with a vast selection of loan products. We work with owner-occupiers, investors, first-home buyers, homeowners looking to renovate, those considering building their own home, buying a home and land package, and for homeowners needing to refinance. Lending options can vary with the purpose of the mortgage and our experts have the experience and knowledge to source and structure solutions to suit all requirements. Contact us to discuss your specific property finance purpose.
We provide those seeking property finance with convenient DIY tools to calculate home loan estimates. Our versatile, practical mortgage calculator can be used to obtain quick estimates on all types of lending products, all property prices and for fixed and variable interest rate loans. The tool is accessible online, is user-friendly, and carries no cost or obligation. Calculate estimates on different house prices to assess affordability and to narrow down your search list and minimise inspections. Follow-up calculations with a request for a quote specific to your application.
The deposit is an important consideration both for home buyers and for lenders. Most lenders expect a minimum deposit of 20% of the house price or value. The higher the deposit the better the loan to value ratio which can contribute to a more affordable loan. Buyers that can’t meet that 20% threshold may apply for a low deposit loan with a 5-10% deposit. These loans can attract the additional cost of Lender Mortgage Insurance. For expert assistance to secure the most competitive rates to reduce your mortgage costs, connect with our specialists.
For an investment in property to deliver positive returns, the financing needs to be affordable and work with the expected rental return. Mortgage products for investment property purchases vary from owner-occupier property acquisition loans. Rates can be higher, but lower deposits, eg up to 10%, are possible. We work with our lenders to structure a solution that delivers investors with a viable option to proceed with the purchase and work towards realising their target returns.
When the term for a fixed interest rate home loan ends, homeowners face the prospect of refinancing their loan. Homeowners may choose to stay with the same lender and negotiate a new loan for the next stage or to switch to another lender. Using our expert services can take much of the complexity and the time out of the refinancing process. We’ll do the hard work for you. Using our lender connections and latest intel on the lending market to source competitive options for your consideration. Request a refinancing quote now!
Access Wide Range of Home Loan Options
As experts in the property lending sector, we provide loan services for all types of properties with a vast selection of loan products. We work with owner-occupiers, investors, first-home buyers, homeowners looking to renovate, those considering building their own home, buying a home and land package, and for homeowners needing to refinance. Lending options can vary with the purpose of the mortgage and our experts have the experience and knowledge to source and structure solutions to suit all requirements. Contact us to discuss your specific property finance purpose.
Quickly Calculate Home Loan Estimates
We provide those seeking property finance with convenient DIY tools to calculate home loan estimates. Our versatile, practical mortgage calculator can be used to obtain quick estimates on all types of lending products, all property prices and for fixed and variable interest rate loans. The tool is accessible online, is user-friendly, and carries no cost or obligation. Calculate estimates on different house prices to assess affordability and to narrow down your search list and minimise inspections. Follow-up calculations with a request for a quote specific to your application.
Expert Assistance with Low Deposit Home Loans
The deposit is an important consideration both for home buyers and for lenders. Most lenders expect a minimum deposit of 20% of the house price or value. The higher the deposit the better the loan to value ratio which can contribute to a more affordable loan. Buyers that can’t meet that 20% threshold may apply for a low deposit loan with a 5-10% deposit. These loans can attract the additional cost of Lender Mortgage Insurance. For expert assistance to secure the most competitive rates to reduce your mortgage costs, connect with our specialists.
Specialist Investment Property Financing Services
For an investment in property to deliver positive returns, the financing needs to be affordable and work with the expected rental return. Mortgage products for investment property purchases vary from owner-occupier property acquisition loans. Rates can be higher, but lower deposits, eg up to 10%, are possible. We work with our lenders to structure a solution that delivers investors with a viable option to proceed with the purchase and work towards realising their target returns.
Save Time, Save Hassle When Refinancing a Home Loan
When the term for a fixed interest rate home loan ends, homeowners face the prospect of refinancing their loan. Homeowners may choose to stay with the same lender and negotiate a new loan for the next stage or to switch to another lender. Using our expert services can take much of the complexity and the time out of the refinancing process. We’ll do the hard work for you. Using our lender connections and latest intel on the lending market to source competitive options for your consideration. Request a refinancing quote now!
Specialist Brokers, Simple Calculator to Estimate & Source Easy Mortgages
- Assess options from the vast lending market.
- Evaluate affordability of different properties.
- Assist with preparing construction budgets.
- Compare interest rates from different lenders.
- Calculate loan estimates to support the buying process.
Use Our Easy Mortgages Calculator to Estimate Repayments
We provide home buyers with a versatile, easy-to-use tool to calculate repayment estimates on home loans before applying or even buying a property. The calculator can be used to estimate all types of home loans – owner-occupier, investor, refinancing, and construction loans for major renovations and new builds.
The calculator is user-friendly and packed with the latest technology to enable complex computations of interest to be delivered in seconds. To use the device, enter the amount required for the loan, the rate we are offering for your choice of loan and the term for that rate. When all fields are filled, the monthly repayment estimate is shown. Change the entries to calculate estimates on different house prices or for different borrowing amounts or at different rates.
Use these estimates to assess and evaluate your options and to support your property buying decisions. For a specific quote, connect with us online, upload your details or phone and speak with one of our brokers.
- Use-friendly home loan calculator.
- Powerful property buying tool.
- Quick estimates, online accessibility.
Simplified Application Process, Best Rates Use Our Expert Easy Mortgages Brokers
We make the process of securing home loans easier by handling the process on your behalf and simplifying the application process. Our experts will advise you of the details and documents we need for your specific application. With the required information received, we will secure the most affordable loan option to suit your specific requirements.
Applications for home loans can be made online or by phone, before or after a property has been selected. Pre-approved loans can be extremely helpful by allowing buyers to know their borrowing limit upfront. Simplifying the buying process by enabling buyers to select properties that are in line with their budget. Request a consultation with one of our mortgage brokers to discuss your options.
Most Frequently Asked Questions About Mortgages
How is a fixed rate home loan different from a variable rate loan?
The interest rate and repayments on a fixed rate loan remain unchanged over the agreed term. The terms for fixed rate loans can vary with different loan products and lenders. The interest rate and monthly repayments on variable rate loans are subject to changes when the lender changes their variable rate. Lender rate changes are generally made when the RBA announces cash rate increases or cuts. Variable rates may increase or decrease over the term.
Can I get approved for a home loan before I have found the right property?
Yes. Applications for home loans can be submitted and conditionally approved prior to a purchase. A borrowing limit is arranged so buyers know what they are approved for ahead of purchasing. When the purchase is made, the loan is finalised based on the specifics of the property.
What is a home loan broker?
A home loan broker provides a service to home buyers requiring finance. The broker sources the best loan option for buyers from their selection of lenders. They act on behalf of buyers in negotiations with lenders. Buyers make the decisions on accepting or rejecting any offers sourced by a broker.
What is the difference between a quote and getting an estimate with a calculator?
Calculating repayments using an online calculator are estimates only as they do not allow for the credit profile or other specifics of an application. They do not include lender fees and charges. A quote is sourced from a lender and is based on assessment of the applicant’s financials and credit profile and is specific to the property being financed.
Can first-home buyers use a mortgage broker?
Yes. All types of property buyers can use the services of a mortgage broker to source their home loan. First-home buyers may benefit significantly from using the knowledge of the market provided by brokers and in sourcing the most affordable options.
How does a mortgage calculator work?
A home loan calculator is used to obtain estimates on loan repayments. Users enter the figures relating to their loan and the calculator carries out the computations based on those figures. Results obtained using an online calculator are estimates only and for use as a guide only. They are not loan quotes or offers.
What deposit do I need to get a home loan?
A standard home loan deposit is 20% of the value or price of the property. Some lenders will approve low deposit home loans with 5-10% deposits. No deposit loans may be approved to some borrowers when equity in property is available and under other circumstances.
What is Lender Mortgage Insurance?
Lender Mortgage Insurance is a policy taken out by lenders on loans with low deposits. These loans are seen as higher risk and the LMI is to cover the lender for this risk. The costs is passed on to the borrower as lender fees.
Is there any difference between mortgages for units and houses?
Essentially the same loan products may be used for both home units and for stand-alone houses. The property will be assessed by lenders as part of the application assessment process.
What loans are available for house and land packages?
House and land packages may be financed with a standard home loan which includes the full price or with a construction loan. A construction loan may be structured to provide funds when required to meet builder progress payments.
Let Yes Home Loans simplify the process by taking care of the complicated steps for you
