Twelve calculators built on a 73-lender panel.
Each one runs your inputs against every active lender's actual assessment rate, DTI cap, and policy — not the comfortable bank number.
The suite — pick your question.
Can I borrow this?
Borrowing capacity
Every active lender's maximum for your shape. The 20–40% panel spread visible at a glance.
Run → ABN-awareSelf-employed capacity
Add-backs, 2-year averaging rules, company & trust income shaded per lender.
Run → portfolioInvestment capacity
Rental shading (80% vs 85%), gearing add-backs, portfolio DTI stacking.
Run → post-Sept-2025HECS impact
How a HECS balance changes capacity after the September 2025 indexation rules.
Run →What will it cost?
Repayment + offset
Daily-balance amortisation with offset modelled properly. Not the averaged version.
Run → all 8 statesStamp duty
Concessions, FHB exemptions, foreign-buyer surcharges, off-the-plan rules per state.
Run → staged-drawConstruction progress
Slab / frame / lock-up / fix / completion interest cost. The number builders skip.
Run →Should I LMI, refinance, or bridge?
LMI break-even
Rent paid + growth foregone + premium across 60 months. The honest version.
Run → cashback honestyRefinance break-even
When the cashback pays. Discharge + reg + valuation netted against rate saving.
Run → peak debtBridging cost
Peak-debt + capitalised interest + residual-loan model. Buy-before-sell economics.
Run →How should it be structured?
Tax structure & super files.
Division 7A loan
Minimum yearly repayment per ITAA 1936 s109N. Year-by-year amortisation, secured vs unsecured term comparison.
Run → LRBA · panel-matchSMSF loan
Score the fund against the active LRBA panel. Five policy levers — balance, liquid buffer, LVR, property type, contributions.
Run →Topic clusters — where the broker file meets the tax file.
Editorial pillars on the file shapes that aren't standard residential lending — Division 7A loan refinances and SMSF property under LRBA. Plain-English explainers, compliant templates, calculator each.
Division 7A loans
What a Div 7A loan is, the deemed-dividend trap, the broker side of a property-backed refinance. Calculator + compliant agreement template linked.
Explore → LRBA · superSMSF property lending
LRBA mechanics, the 2018–2020 panel narrowing, today's residential and commercial SMSF lenders, and the five policy levers that decide where the file lands.
Explore → LMI waiver · professionProfession-based loans
Nurses, doctors, dentists, teachers, police. LMI waivers up to 95% LVR (or 100% for established medicos) plus the income-recognition gap — penalty rates, locum, allowances — that swings borrowing capacity by $80k–$500k.
Explore →