Jeff & Moishe — Co-directors
Real broker access · 5.0★ across all reviews · Melbourne-based, Australia-wide
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Quick indicative figures for the most common finance questions. For your specific situation, book a 30-minute strategy call and we'll run precise numbers across 40+ lenders.
Enter your income, expenses and dependants. Get an indicative borrowing figure across our matched lender panel.
This calculator uses a standard servicing assessment with a 6.5% assessment rate and 30-year term. Your actual borrowing capacity will vary by lender — some will lend significantly more or less than this number based on your file profile.
Indicative only. Final capacity confirmed with a strategy call.
Calculate monthly principal & interest repayments for a given loan amount, rate and term.
Indicative only. Actual rates and terms depend on lender and your file.
Indicative stamp/transfer duty plus land transfer and mortgage registration fees for residential purchases across all eight Australian states and territories. First home buyer and owner-occupier concessions modelled.
Select your state and buyer type. Concessions vary by jurisdiction — VIC exempts first home buyers under $600K, NSW under $800K, ACT first home buyers now pay $0, and QLD scraps duty on new homes. Figures are indicative; final duty and fees are confirmed at settlement.
Indicative only. Rates current FY2026-27 (from 1 July 2026). Government fees, transfer duties and FHOG eligibility confirmed at lodgement.
A two-minute health check to spot whether your existing loan needs a review.
Three or more checked? Book a strategy call — there are likely savings or structural improvements available.
Compare what your current repayments are doing to your credit card and personal loan debt against rolling it into your home loan — and see how long it actually takes to clear either way.
Consolidating drops the interest rate, which frees up cash every month. But it also stretches the debt across your remaining loan term, so paying only the new minimum can cost you more interest than you're paying now. The debt only clears quickly if you keep your repayments at the same level and let the difference attack the balance.
Indicative only. Consolidating turns unsecured debt into debt secured against your home — over a longer term that can cost more overall, and your home is at risk if you can't repay. Assumes the debt is refinanced into your home loan at the same rate and remaining term, and excludes lender, break and government fees. We'll model your real numbers before you commit.
If your fixed rate is expiring in the next 12 months, this is the highest-leverage moment to review your entire loan — not just default to the bank's variable.
When your fixed rate expires, your lender typically rolls you onto their standard variable rate — almost always higher than the best market variable. The 60 days before expiry is the time to benchmark.
Indicative only. Actual savings depend on full file review and lender selection.
30 minutes with Jeff or Moishe. We'll review your position, map your options across 40+ lenders, and give you a clear next step. No script. No upsell.
Jump into our live booking calendar and lock in a 30-minute strategy call with Jeff or Moishe — phone or video, whenever works for you.
Book a Call →Book a 30-minute strategy call. Free. No obligation. Talk to a real broker today.