The home loan that fits — matched across 50 lenders.
We don't hand you a list of advertised rates you might not qualify for. We score your deposit, LVR, income and credit profile against 50 lenders' real policies, and show the ones that actually fit — plus the single move that most lifts your approval odds.
Free · 2 minutes · no credit score impact
Where the market sits, July 2026
Median dwelling values vary enormously by city — which is why "the average rate" matters far less than matching your specific deposit and location to the right lender.
Median dwelling values (houses + units), Cotality (CoreLogic) Home Value Index, as at March 2026. Combined capital cities: $1,025,365. Figures are indicative of market conditions, not a valuation of any property.
A path for every situation.
Home loans aren't one product. Tell us where you are and we point the search at the lenders who treat your situation well.
First home buyer
Deposit help, the 5% Deposit Scheme and lenders comfortable with smaller deposits.
Refinancing
Reprice, consolidate debt or restructure — we check whether a switch actually pays after costs.
Investment property
Gearing structures, interest-only and lenders who read investor servicing favourably.
Building or renovating
Progress-drawdown construction loans and land-plus-build finance.
Upgrading or downsizing
Bridging the gap between selling and buying, structured to your timeline.
Credit-impaired
Defaults or a thin file? Specialist and non-bank lenders who assess the full story.
The 5% Deposit Scheme could remove LMI entirely.
Since 1 October 2025 the Australian Government's 5% Deposit Scheme (First Home Guarantee) lets eligible first-home buyers purchase with a 5% deposit (2% for single parents) and no Lenders Mortgage Insurance — with no income caps and no place limits. Eligibility depends on the property price staying under the cap for your area:
Capital-city caps shown; regional/rest-of-state caps are lower. Source: Housing Australia / firsthomebuyers.gov.au, current at July 2026 (Darwin cap raised to $750k from 1 July 2026). You apply through a participating lender — we'll tell you if you're likely eligible and which lenders take it.
The three figures every lender checks.
Before rate, lenders look at these. Knowing yours is half the battle — and it's exactly what the 2-minute assessment works out for you.
Loan-to-value ratio
Your loan as a % of the property value. Above 80% LVR, Lenders Mortgage Insurance usually applies — unless you use a guarantor or an eligible government scheme. Lower LVR generally opens sharper pricing.
Debt-to-income
Total debts against gross income. Many lenders get cautious past ~6× ; some specialists stretch further. The right lender for a high-DTI profile is a very different one to the sharpest-rate lender.
The buffer test
Lenders assess you at your rate plus an APRA buffer (currently 3%), not the headline rate. That's why two lenders can reach opposite answers on the same income — and why matching matters.
50 lenders, one search.
Accredited through Connective, we compare across the majors, regionals, mutuals and non-bank specialists — then match your file to the ones that fit.
Major banks
CBA, Westpac, NAB, ANZ — sharp pricing for clean, lower-LVR profiles.
Regional & online
Macquarie, ING, Bankwest and digital lenders — often keen on refinances.
Customer-owned
Credit unions and mutuals — competitive and flexible on genuine-savings policy.
Specialist
Liberty, Pepper and similar — self-employed, credit-impaired and complex income.
What the assessment shows.
- Purchase price $800,000
- Deposit $120,000 (15%)
- Combined income $165,000
- Existing debts $18,000 car loan
- LVR 85% → LMI applies
- Lenders that fit shortlisted from 50
- LMI vs guarantor vs scheme compared
- Biggest approval lever flagged
Illustrative example only, not an offer of credit or a guarantee of approval, savings or a particular rate. Your actual options depend on your circumstances, the lender, LVR and product, and are confirmed in writing.
Home loan FAQs.
How accurate is your approval probability?
Our matching calculates approval probability from the six weighted factors lenders actually use — LVR limits, DTI thresholds, credit-score requirements, employment criteria and genuine-savings policies from each lender's real criteria. We can't guarantee approval (only a lender can), but the indicators are grounded in those published policies rather than advertised rates.
What if my LVR is over 80%?
Above 80% LVR, Lenders Mortgage Insurance generally applies, and we surface lenders who accept smaller deposits and show the total cost including LMI. If you're a first-home buyer, the Australian Government's 5% Deposit Scheme (First Home Guarantee) can let you buy with a 5% deposit and no LMI, subject to the property price caps above — we'll tell you if you're likely eligible.
I'm self-employed — will this work for me?
Yes. Self-employed applicants are matched with lenders like Liberty and Pepper who specialise in alternative income verification — some accepting one year of financials, or low-doc arrangements, instead of the usual two years. We calculate your income the way those lenders do.
How is this different from a rate comparison site?
Comparison sites show advertised rates for everyone. We estimate what you're likely to be offered based on your credit profile, LVR and DTI, and show approval probability and fit — not just a list of rates you may not qualify for.
Do you charge fees?
No — our service is provided at no cost to you. We're paid commission by the lender when your loan settles, and that doesn't change your rate; lenders pay the same whether you come through us or go direct. Full details are in our Credit Guide.
What documents do I need?
Nothing for the 2-minute assessment — just information you already know. If you proceed, typical documents are payslips (last 3 months), bank statements (3–6 months), ID and proof of deposit. We give you a specific checklist based on your situation and chosen lender.
See your home loan matches.
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