Complete Australian home loan guides
Five in-depth guides covering the decisions that actually move money. Each one pulls together the calculators, articles and real client case studies for that topic in one place, so you can go as deep as you need.
Refinancing your home loan: the complete Australian guide
How refinancing works in Australia — when it's worth it, what it costs, how long it takes, and how much you could save.
6 calculators · 9 articles · 3 case studies
Open guideBuying your first home in Australia: the complete guide
Everything a first home buyer needs — deposit size, stamp duty concessions, the 5% deposit guarantee, LMI, pre-approval and settlement.
6 calculators · 6 articles · 3 case studies
Open guideBorrowing power: how lenders assess your income and debts
How Australian lenders calculate borrowing power — income types, assessment rates, HEM expenses, debts and HECS.
5 calculators · 6 articles · 3 case studies
Open guideInvestment property loans: structure, cash flow and equity
How investment lending works in Australia — deposits, equity release, interest only, negative gearing and cash flow.
6 calculators · 4 articles · 3 case studies
Open guideCredit scores, conduct and getting approved
How Australian lenders really use credit scores and credit conduct, what a low score means, and which lenders look past it.
4 calculators · 6 articles · 3 case studies
Open guideBrowse by topic
Every XLOANS guide, calculator and directory, grouped by what you're trying to do.
Borrowing power
How lenders assess income, debts and living expenses to set your maximum loan.
Guides
Calculators
Directories
Open the borrowing power hubFirst home buyers
Deposits, LMI, grants and the state-by-state schemes that get you in sooner.
Guides
Calculators
Directories
Open the first home buyers hubRefinancing
When to switch, what it costs, and how much a lower rate is actually worth.
Guides
Calculators
Directories
Open the refinancing hubHome loans & repayments
Loan structure, offset and redraw, rates and paying your mortgage off sooner.
Guides
Calculators
- Home Loan Repayment Calculator
- Offset Account Calculator
- Offset vs High Interest Savings Calculator
- Extra Repayments Calculator
Directories
Open the home loans & repayments hubInvestment property
Cashflow, equity releases and the policy differences on investor lending.
Guides
Calculators
Directories
Open the investment property hubNot sure which guide applies to you?
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