Calculate your borrowing power, compare home loans from 22+ Australian lenders, and understand LVR, LMI and offset accounts — in plain English, in under 60 seconds.
General information only · Not financial advice · ASIC-registered products only
AI Finance Agent · Online
Australia's AI finance agent for home loans, borrowing power and lender comparison. Finley is powered by Anthropic Claude and trained on live Australian lending data.
Enter your income, expenses and deposit — Finley calculates your maximum borrowing capacity across multiple lenders instantly. No forms. No waiting.
Finley compares variable, fixed, split and offset home loans from Australia's major banks, non-banks and credit unions. Interest rates, fees, features — all decoded.
LVR, LMI, APRA serviceability buffers, comparison rates, offset accounts — Finley explains every home loan concept in plain Australian English. No jargon.
Considering refinancing? Finley models the cost and savings of switching lenders — including break costs, cashback offers and the time to break even.
From stamp duty to the First Home Guarantee Scheme, Finley walks first home buyers through every step — what you're eligible for, what you need to save, what to expect.
When you're ready to act, Finley connects you with a licensed Australian mortgage broker — free. You get a human expert with all your research already done.
Ask Finley anything about home loans, borrowing, refinancing or the mortgage process. Here's a sample of what Australians are already getting help with.
On $80,000 gross income, most Australians can borrow $400,000–$490,000 depending on expenses and the lender. With a 10% deposit (~$45,000), you could buy properties up to ~$490,000. Finley calculates this for your exact situation in seconds.
A variable rate moves with RBA cash rate changes — your repayments go up or down. A fixed rate is locked for 1–5 years — certainty, but less flexibility. Finley models both for your loan amount so you can compare total costs.
You typically need at least 10% to avoid paying Lenders Mortgage Insurance (LMI), or 5% if you qualify for the First Home Guarantee Scheme. A 20% deposit eliminates LMI entirely. Finley calculates the exact LMI cost for your scenario.
LMI (Lenders Mortgage Insurance) protects the lender if you default. It's charged when you borrow over 80% LVR. Costs range from $5,000 to $30,000+ depending on loan size. Some lenders waive LMI for medics, legal professionals and others. Ask Finley if you qualify.
Property timing depends on your finances, not just the market. Finley can model your borrowing capacity, stress-test repayments at higher rates, and help you understand if you're in a strong enough position to act — regardless of where the market sits today.
Pre-approval in Australia typically lasts 90 days, though some lenders offer up to 6 months. After that, you usually need to reapply. Finley can walk you through the pre-approval process and connect you with a broker when you're ready to apply.
From the Big Four banks to specialist non-bank lenders — Finley has live data on lending criteria, interest rates, fees and product features. No need to ring around.
A representative sample of lenders in the comparison network.
Start a conversation with Finley — Australia's free AI finance agent. Your borrowing power, your home loan options, plain English. No appointment. No wait.
Chat with Finley — free →General information only · Not financial advice · 100% free