Find your
perfect loan
in 60 seconds

LVR is the Loan to Value Ratio. Lenders use this to determine their risk exposure when deciding whether to lend. For example, if a property you wish to buy is $100,000 and the loan is $80,000, the LVR is 80%. Generally, lenders prefer a lower LVR as it reduces their risk. However, lenders will go up to 99% LVR where Lenders Mortgage Insurance (LMI) is available.

LMI stands for Lenders Mortgage Insurance, which is applied when loans exceed an LVR of 80%. This charge is added to your loan amount rather than requiring upfront cash — so it increases your loan size by a relatively small amount. LMI is often seen as a negative, but it's actually an enabler. Without it, many people today would not own their own home. Our AI will tell you exactly whether LMI applies and which lenders can minimise or waive it for your situation.

Reduce your credit card limit. Lenders look at the likelihood that you might default on repayments. In the eyes of a lender, the higher your credit card limit, the more chance you have to get into financial difficulty — even if your actual balance is low. To increase your borrowing capacity, reduce your credit card limit to the absolute minimum you need, or close any surplus cards entirely. Our AI automatically shows you the impact this change would have on your matched products.

Absolutely. Many lenders offer low-documentation (lo-doc) loans for self-employed borrowers who don't have traditional payslips. Instead of the usual documentation, you prove your ability to service a loan using bank statements, accountant declarations, and financial records. Our AI specifically identifies lo-doc pathways in the matching process and routes self-employed borrowers to lenders whose credit policy accepts their income type — dramatically improving approval odds.

Refinancing involves reviewing your current mortgage and potentially switching your loan to another lender who can better meet your current needs. It can secure a lower interest rate, switch you to a different loan type, or allow you to consolidate debts. Our AI rate tracker monitors your existing rate against current market products and alerts you when a meaningful saving opportunity appears — so you don't have to think about it.

When a fixed rate period expires, most lenders roll you onto their standard variable rate — which is often well above the best rates on the market. That's the moment to review. Our AI flags your fixed-rate expiry months in advance, models refix vs variable vs split options against your profile, and shows the projected cost of each so you can act before the roll-over bites.

A fixed rate loan maintains the same interest rate over a set period regardless of market fluctuations — providing repayment certainty. A variable rate loan can change throughout the loan term in reaction to market movements but typically offers more flexibility (extra repayments, offset accounts, redraw). A split loan lets you have some of each. Our AI models both options against your profile and shows you the projected total cost over your loan term so you can make an informed choice.

1. What exactly am I guaranteeing? A limited guarantee (say, 20% of the purchase price) is very different from an unlimited one. 2. When can I be released? Most lenders will release a guarantor once the borrower's LVR drops below 80%. 3. What happens if they can't pay? The lender can pursue you for the guaranteed amount — and it may affect your own borrowing capacity in the meantime. Our brokers walk both parties through the structure, and our AI shows the impact on the guarantor's own position before anything is signed.

Arranging finance before finding the perfect property puts you in the strongest possible negotiating position. When you find the home you want, you can present to the seller as a prepared, serious buyer with pre-approval in hand. If you secure a property without pre-approval, you risk forfeiting your non-refundable initial deposit if your loan is declined. Use our AI matcher to get pre-qualified before you start your property search.