Home loans, car loans, business loans and equipment finance, with free calculators and guides.Work out what you can borrow and what it will cost.
Check your borrowing power and repayments with our free calculators and guides. When you want help, we'll introduce you to one broker we've vetted for your kind of loan.
Licensed, checked on ASIC’s register, and they call within one business day. Free to use, with no obligation.
Start with your loan
Free guides, with the numbers worked out
Real dollar examples and the trade-offs between your options, across 47 guides. No sign-up needed.
First home buyer guide 2026
Grants, schemes, how to build a deposit faster, and the order to do everything in.
How much can I borrow?
A quick borrowing power calculator. Lenders test your repayments at 3% above the rate you would pay, and so does this.
An estimate only, not a credit offer. It assumes a 6.20% rate (the RBA's average for new owner-occupier variable loans), tested at 9.20% (the APRA 3% buffer), over 30 years with principal and interest repayments.
A broker we've checked, for your kind of loan
Answer a few questions about what you're borrowing for. We pass them to one licensed broker partner who works with loans like yours, they call you, and you decide whether to go ahead.
Every broker we introduce
- Holds an Australian Credit Licence or is a credit representative of a licensee. We check the number on ASIC’s register.
- Is a member of the Australian Financial Complaints Authority (AFCA), the free scheme for complaints about credit.
- Calls you within one business day, already knowing your answers.
- Gets your enquiry on its own. We send it to one broker, not a list of them.
What are you borrowing for?
Checking your options won't affect your credit score.
News for borrowers
Rate decisions, lender changes and property data, with what each one means for your repayments. Every piece is dated and names its author.
What we can promise, and what we can't
You won't find star ratings here: we only show reviews we can link to their source. Read how matching works and our Credit Guide.
We don’t lend or give credit advice
Your Finance Guide is a finance education publisher. We are not a lender or a broker, we don’t hold an Australian Credit Licence and we don’t provide credit assistance.
One licensed broker, within one business day
Your enquiry goes to one licensed broker partner, not a list of lenders. They call within one business day, already knowing your answers. There is no obligation to go ahead.
How we are paid
Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. Brokers are usually also paid a commission by the lender when a loan settles, so ask the broker how they are paid.
Questions about getting matched
Can't see your question here? Tell us your situation and a licensed broker will talk it through with you, free.
Find me a vetted brokerIs the matching service really free?
Yes, for you, always. Licensed brokers who meet our criteria pay us a partnership fee to receive enquiries from this site. You never pay us.
Are you tied to any bank, lender or insurer?
No. Your Finance Guide has no ownership ties to any bank, lender or insurer. Every broker partner is licensed under the National Credit Act, either holding an Australian Credit Licence or acting as a credit representative of a licensee.
Why only one match? Why not show me 5 options?
Comparison spam is exhausting. Our job is to know our network well enough that one introduction is the right one. If we get it wrong, we re-match, no charge, no awkwardness.
How do you choose the brokers?
Before a broker receives enquiries we check their Australian Credit Licence or credit representative number on ASIC's register, and they confirm membership of the Australian Financial Complaints Authority (AFCA). Brokers who meet our criteria pay a partnership fee to receive enquiries; you never pay us.
What happens after I get matched?
Your broker partner calls within one business day, already knowing your answers. The first conversation is free. You decide whether to go ahead, and if not, tell us why so we improve.