MORTGAGER RESOURCES
Home loan and property guides for Australians
Straightforward guides and practical tools to help Australians navigate buying a home, home loans, refinancing, property investment, renovating and asset finance. Understand your options, weigh up the trade-offs and take your next step with confidence.
Explore our guides by topic
Whether you’re buying a home, reviewing your current loan, investing in property, exploring equity, planning a renovation or financing a vehicle or business asset, start with the topic that matches your next move.
Buying a home
Clear guidance for first-home buyers and people planning their next move, including deposits, upfront costs, loan options and settlement.
Home loans and refinancing
Understand home loan features, interest rates, refinancing costs and the questions worth asking before you switch or apply.
Property investment
Practical information about investment loans, borrowing considerations, cash flow and the costs involved in owning an investment property.
Property ownership and equity
Learn how home equity works, what can affect it and the practical considerations when using equity for another property, renovations or other goals.
Renovating and building
Plan your renovation or build with practical information about construction loans, budgets, progress payments and common finance considerations.
Asset finance
Understand finance options for cars, equipment and other business assets, including repayments, loan structures and questions to consider before applying.
Explore our home loan calculators
Estimate repayments, borrowing power, deposit requirements, stamp duty and available equity with practical calculators for Australian home buyers, homeowners and property investors. Results are general estimates only and should be used as a starting point.
Borrowing power calculator
Get an estimate of how much you may be able to borrow based on your income, expenses and other financial commitments.
Home loan repayment calculator
Estimate principal and interest repayments and explore how different loan terms and interest rates may affect your regular repayments.
Home deposit calculator
Work out a possible deposit target and explore how your savings may compare with different property prices.
Stamp duty calculator
Estimate the stamp duty and selected government charges that may apply when buying property in your state or territory.
Home equity calculator
Estimate the equity you may have in your property using its current value and the amount remaining on your home loan.
Rent or buy calculator
Compare selected costs of renting and buying to explore how the two options may look over time.
Latest home loan and property guides
Read our latest explainers, checklists and practical guides about home loans, refinancing and property decisions in Australia.
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What does a mortgage broker do for a first-home buyer?
Discover how a mortgage broker can help a first-home buyer understand their options, compare lenders and manage the home-loan application…
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Do mortgage brokers charge fees in Australia?
Learn how Australian mortgage brokers are paid, when a direct fee may apply and what first-home buyers should ask before…
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Mortgage broker vs bank: what’s the difference for first-home buyers?
Compare a mortgage broker with going directly to a bank, including lender choice, fees, commissions and practical considerations for Australian…
About Our Resources
Clear information for confident decisions
Mortgager’s resources are designed to make home loans and property finance easier to understand. We explain common terms, costs and choices in plain English, with an Australian focus and links to practical tools where they can help.
The information is general in nature, and everyone’s circumstances are different. Consider your own situation and seek appropriate professional advice before making a financial decision.
Plain-English explanations
We break down lending and property topics without unnecessary jargon, so the important points are easier to understand.
Australian context
Our resources focus on home loans, property decisions and finance considerations that are relevant to people in Australia.
Practical next steps
Each guide aims to help you understand your options, prepare useful questions and decide what to explore next.
Ready to explore your loan options?
Tell us what you’re working towards and explore a clearer next step, whether you’re buying a home, refinancing, investing or financing an asset.