Home loan borrowing calculator

30+ Lenders I $3k Cash Back Offer I 100% Free Service

Find Out How Much You Can Borrow — Start Your Free Pre-Approval Today

Home loan borrowing calculator

30+ Lenders I $3k Cash Back Offer

Find Out How Much You Can Borrow — Start Your Free Pre-Approval Today

How we can help

Home loans we can help you find.

Cash backs and exclusive deals

Specific lenders may have ‘specials’ available, including cash backs, fee reductions or waivers or loyalty offers.

Flexible deposit options

Deposits starting at 2%. (But budget for at least 10% of the property value to cover government and third-party fees).

Guarantor loans made easy

Get into the property market sooner without a 20% deposit and avoid paying Lenders’ Mortgage Insurance.

Construction & bridging loans

Build your dream home or buy a new property before selling your old one with a construction or bridging loan.

Cross collateralisation

Leverage your equity and increase borrowing power by securing your loan against multiple properties.

Debt consolidation one payment

Consolidate your debt into a single loan with a low home loan interest rate.

What our clients
are saying

Real Client, Real Homes, Real Savings.

Real Client, Real Homes, Real Savings.

What our clients are saying

Picture by Unsplash
Taylor T
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Refinance

The application process was seamless and easy , I was able to save and go back when I needed to upload my documents.

Jannicke I
See on X →

Refinance

Great experience! Zac looked after us and his service was great! Appreciate everything he has done for us!

Adam C
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Purchase

Zach was great! Couldn’t be happier with the outcome he achieved for me. Will definitely be using him again in the future.

Bridget M
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First Home Buyer

Mortgage Matrix helped immensely when trying to purchase our first home. The team was very professional and attentive,

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Matthew M
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First Home Buyer

If you’re looking for a broker that truly cares and delivers an outstanding service look no further than Zac at Mortgage Matrix!

Megan H.
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Purchase

Zac was very easy to deal with, took all the hard work out of sourcing a loan and personalised to suit your needs.

Liam R
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First Home Buyer

Zach and Viren were fantastic brokers. As a first home buyer, I was worried that the process, but the team at Mortgage Matrix made it very easy.

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Holly S
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Buyer's Agent / Purchase

Mortgage Matrix consistently demonstrates excellence in securing the best loans and prioritizing their clients’ needs.

Abhishek A
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First Home Buyer

Excellent service! Viren has been very helpful & responsive throughout the entire lending process.

Picture by Unsplash
Taylor T
See on Google →

Refinance

The application process was seamless and easy , I was able to save and go back when I needed to upload my documents.

Jannicke I
See on Google →

Refinance

Great experience! Zac looked after us and his service was great! Appreciate everything he has done for us!

Adam C
See on Google →

Purchase

Zach was great! Couldn’t be happier with the outcome he achieved for me. Will definitely be using him again in the future.

Bridget M
See on Google →

First Home Buyer

Mortgage Matrix helped immensely when trying to purchase our first home. The team was very professional and attentive,

Ready to join them?

Ready to join them?

Ready to join them?

Ready to join them?

Read reviews on Google

Read reviews on Google

Read reviews on Google

Read reviews on Google

Unlock your Borrowing power

Start your property journey today – it’s quick, easy, and free

Give us a call

Book an appointment

Apply online

Mortgage Matrix Pty Ltd ABN 37674 404 776 Credit Representative 555368 is authorised under Australian Credit Licence 389328.

Comparison rate is calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Our borrowing calculator provides an estimate of how much you may be able to borrow based on the income and expenses you've entered. It is a guide only and does not constitute credit approval.

For a personalised assessment, start your application, where we’ll review your specific financial details, loan type, and property information.

Rates and Cashback Disclaimer: Rates are correct as of August 2025 and are subject to change without notice. The advertised rate of 4.99% p.a. is a fixed rate with a comparison rate of 6.02% p.a., based on a loan amount of $500,000 over 30 years with principal and interest repayments. Eligibility criteria, terms and conditions, and lender fees apply. The $3,000 cashback offer is available from select lenders only and is subject to lender approval. Mortgage Matrix Pty Ltd does not guarantee approval or the advertised rate for all applicants. Comparison rate is calculated in accordance with the National Consumer Credit Protection Act 2009.

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed before acceptance of any offer or product. It does not constitute legal; tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders credit assessment with terms and conditions, fees and charges and eligibility criteria apply.

Eligibility criteria, terms, conditions, and lender credit approval apply. The 5% deposit option may be available through government-backed schemes such as the First Home Guarantee. Not all applicants will qualify. Mortgage Matrix does not provide financial advice and recommends seeking independent advice tailored to your circumstances.

Company

Home loans

First Home Buyers

About us

Guides

Calculators

Borrowing Capacity

Refinance Calculator

Mortgage Repayments

Stamp Duty Calculator

resources

Compliments and Concerns

Privacy policy

Careers

Contact us

Referral partner

Mortgage Matrix

‍Mortgage Matrix ©2025. All rights reserved.​

Mortgage Matrix Pty Ltd ABN 37674 404 776 Credit Representative 555368 is authorised under Australian Credit Licence 389328.

Comparison rate is calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Our borrowing calculator provides an estimate of how much you may be able to borrow based on the income and expenses you've entered. It is a guide only and does not constitute credit approval.

For a personalised assessment, start your application, where we’ll review your specific financial details, loan type, and property information.

Rates and Cashback Disclaimer: Rates are correct as of August 2025 and are subject to change without notice. The advertised rate of 4.99% p.a. is a fixed rate with a comparison rate of 6.02% p.a., based on a loan amount of $500,000 over 30 years with principal and interest repayments. Eligibility criteria, terms and conditions, and lender fees apply. The $3,000 cashback offer is available from select lenders only and is subject to lender approval. Mortgage Matrix Pty Ltd does not guarantee approval or the advertised rate for all applicants. Comparison rate is calculated in accordance with the National Consumer Credit Protection Act 2009.

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed before acceptance of any offer or product. It does not constitute legal; tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders credit assessment with terms and conditions, fees and charges and eligibility criteria apply.

Eligibility criteria, terms, conditions, and lender credit approval apply. The 5% deposit option may be available through government-backed schemes such as the First Home Guarantee. Not all applicants will qualify. Mortgage Matrix does not provide financial advice and recommends seeking independent advice tailored to your circumstances.

Company

Home loans

First Home Buyers

About us

Guides

Calculators

Borrowing Capacity

Refinance Calculator

Mortgage Repayments

Stamp Duty Calculator

Resources

Compliments & Concerns

Privacy policy

Careers

Contact us

Referral partner

Mortgage Matrix

‍Mortgage Matrix ©2025. All rights reserved.​