TOOLS AND INFORMATION
Resources
Calculators, guides, and useful links - curated for contractors, self-employed professionals, and anyone planning their next property purchase or reviewing their existing home loan.
OUR TOOLS
Mortgage calculators
Built specifically for the Australian market, with contractor and self-employed adjustments taken into account where relevant.
Borrowing capacity
Accounts for your employment type -- PAYG, ABN contractor, or self-employed -- to give a realistic borrowing estimate based on how lenders actually assess your income.
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Loan repayment
Calculate monthly repayments for different loan amounts, terms, and interest rates. Useful for comparing scenarios before you commit.
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Offset account
See the interest savings and time reduction from keeping funds in an offset account rather than a separate savings account.
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Additional repayments
Calculate the impact of making additional repayments on your loan term and total interest paid. Even small regular amounts make a significant difference over time.
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Debt recycling
Compare a standard investment approach against a debt recycling strategy over time. Useful for property investors looking to optimise their loan structure.
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FURTHER READING
Specialist lending guides
Detailed information about contractor and self-employed home lending - the content most general broker sites don't cover.
Contractor home loans
How PAYG and ABN contractor income is assessed, what documents you need, and why lender selection matters more for contractors than for almost any other borrower type.
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Self-employed home loans
The tax minimisation catch-22, add-backs explained, business structure differences, and the full-doc vs low-doc decision - everything self-employed borrowers need to understand before applying.
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Free guide: Self-employed borrowers
7 things every self-employed person should know before applying for a home loan. Plain-English, and written specifically for self-employed borrowers.
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EXTERNAL LINKS
Useful government and regulatory resources
​A curated list of official sources relevant to contractors, self-employed borrowers, and property buyers.
For contractors and self-employed borrowers
ATO - ABN registration and lookup
Verify an ABN, register for an ABN, or check your registration details. Relevant for ABN contractors confirming their registration status before applying.
ATO - Individual income tax rates
Current marginal tax rates for Australian residents. Useful for understanding how tax withheld on PAYG contracts compares to your actual liability.
For property buyers
Revenue NSW - First Home Buyer grants and concessions
Information on the First Home Owner Grant, stamp duty exemptions, and First Home Buyer Assistance Scheme available to eligible NSW buyers.
First Home Guarantee Scheme
The federal government's scheme allowing eligible first home buyers to purchase with a 5% deposit without paying lenders mortgage insurance. Income and property price caps apply.
ASIC MoneySmart - Home loans
ASIC's independent, government-backed consumer resource covering home loan basics, comparison tools, and financial literacy content.
