Your Goal, our plan
Loans made simple!
Whether you’re buying your first home, refinancing, investing or financing an asset, we make the next step feel clear.
How much could you borrow?
Get an initial estimate of your borrowing power and understand the factors that may influence the result.
Check my borrowingEstimate only. Results do not constitute credit advice or loan approval.
A clearer way forward
Big decisions deserve plain answers.
Buying a home or investment property can involve a lot of numbers, lender requirements and unfamiliar terminology.
Mortgager helps you understand your position, explore suitable options and move forward with a clear plan—without the unnecessary jargon.
See how Mortgager helpsUnderstand your position
Get clarity around your borrowing power, deposit, costs and the factors lenders may consider.
Explore suitable options
Understand the differences between relevant loan options, features and structures.
Move forward with support
Receive guidance through preparation, application, approval and settlement.
Start with your numbers
Useful tools. Real clarity.
Get a quick indication, then speak with a broker who can help put the numbers in context.
Calculator 01
How much deposit do I need?
Explore deposit targets and better understand the upfront costs involved in purchasing a property.
Open calculatorCalculator 02
How much equity could I have?
Get an initial indication of the equity in your property and consider what your next move could look like.
Open calculatorTwo-minute quiz
Not sure where to begin?
Answer a few simple questions and we will help point you towards a suitable next step.
Start the quizCalculator results are estimates only and do not constitute credit advice, loan approval or a loan offer.
Guidance for your next move
Where are you heading?
Every property journey starts from a different place. Choose the path that best reflects your plans and explore what comes next.
First home buyers
Buying your first home?
Understand deposits, borrowing power, purchase costs and the steps from getting prepared through to settlement.
Explore first home buyingProperty investors
Planning your next investment?
Explore borrowing capacity, available equity and loan options that can support your property investment plans.
Explore investor loansWhy Mortgager
Less overwhelm. More confidence.
Home lending can involve a lot of numbers, lender requirements and unfamiliar language. We help you understand your position, consider suitable options and move forward with a clear plan.
Clear explanations
Understand the important details without unnecessary lending jargon.
Options considered around you
Explore loan options with your circumstances, priorities and plans in mind.
Support from preparation to settlement
Know what is happening, what is needed and what the next step involves.
Access to a range of lenders
Consider relevant choices without having to approach lenders one by one.
Bring your questions. We will help make the next step clearer.
Customer stories
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Popular questions and guides
Good questions. Clear answers.
Start with the questions home buyers and investors ask most. Open an answer for a quick overview, then explore the detailed guide.
View all guides01 How much can I borrow?
Your borrowing capacity can depend on your income, living expenses, existing commitments, deposit, credit history and the lender’s criteria. An estimate is a useful starting point, but it is not a loan approval.
Explore borrowing power02 How much deposit do I need?
The amount depends on the property price, buying costs and the loan available to you. A 20% deposit can generally avoid lenders mortgage insurance, although eligible buyers may have lower-deposit options.
Explore deposit requirements03 What costs are involved in buying a home?
Costs may include transfer duty, conveyancing or legal fees, property inspections, loan fees, lenders mortgage insurance and moving costs. The amounts vary by location, property and personal circumstances.
See the home-buying costs guide04 What first-home buyer support could I be eligible for?
Depending on your circumstances and location, support may include a government guarantee, grant or transfer-duty concession. Eligibility, property limits and availability can change, so current rules must be checked.
Explore first-home buyer support05 Can I use equity to buy an investment property?
Usable equity may help fund a deposit and purchasing costs, subject to valuation, lending limits and your ability to service the additional debt. Borrowing to invest increases risk and should be considered carefully.
Learn how usable equity works06 How does a mortgage broker get paid?
Lenders generally pay mortgage brokers a commission when a loan settles, which may include upfront and ongoing payments. Any commission and any fee that may apply to your situation should be disclosed before you proceed.
Read how broker payments workThis information is general and does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply.
Your next step
Ready for a clearer way forward?
Tell us where you are in your property journey. We will help you understand your options and identify a practical next step.
Start with a two-minute quiz Ask questions directly Understand the next step