Free, Independent, No SpamHome Loan Quote
Home Loan Quote
Australia 2026
Independent
No bank or lender owns this site.
Free for borrowers
You never pay us, the lender pays the broker on settled work.
One broker, not five
No comparison spam. We pick the best fit for your situation.
Reply in one business day
Your matched broker reaches out with a profile and a calendar link.
How quoting works
Four steps. About a week, end to end.
01
You answer 3 questions
What you need (buy, refinance, invest), where you are, and how soon you want to act.
02
We pick the best-fit broker
From a vetted panel whose entire practice is built on situations like yours.
03
They quote you
Real numbers from real lenders for your scenario, not a generic rate table.
04
You decide
Engage them, ask follow-ups, or walk away. Zero pressure.
What to have ready
A faster quote starts with a few documents.
You don't need any of these to request a quote. But the broker will ask for them once you decide to proceed. Having them ready can shave days off the timeline.
Photo ID
Driver licence or passport plus a recent utility bill at your current address.
Income proof
Two recent payslips for PAYG. Two years of tax returns plus notices of assessment for self-employed.
Bank statements
Three months of statements for transaction and savings accounts.
Existing debts
Statements for credit cards, BNPL, car loans, HECS/HELP, personal loans.
Property docs
Contract of sale (if buying) or council rates notice (if refinancing or already owning).
Current loan
Most recent statement of any existing home loan you're refinancing.
Free, three questions, one match
Ready for a real quote?
Three questions get you matched with one independent broker who quotes you across 40+ Australian lenders. Your matched broker reaches out within one business day.
Common questions
Everything you might be wondering before you ask.
Is the home loan quote really free?+
Yes, free for you, always. The broker who quotes you is paid by the lender via commission only on settled loans. Your Finance Guide may receive a referral fee from the broker partner on settled work, but you never pay us directly. Full payment flows are documented in our Credit Guide.
Will requesting a quote affect my credit score?+
No. Requesting a quote is a soft enquiry between you and the broker. A formal credit check only happens if you choose to apply for a specific lender, and only after the broker has explained that step.
How fast will I get the quote?+
Your matched broker contacts you within one business day with a calendar link. Most simple quotes are issued in 1 to 3 days once they have your supporting documents.
What documents will I need?+
For a standard owner-occupier quote, expect to provide: photo ID, two recent payslips, three months of bank statements, current loan or credit card statements, a council rates notice (if refinancing) or contract of sale (if buying). Self-employed applicants need two years of tax returns and notices of assessment.
Why one broker, not many quotes?+
Multiple brokers all pulling credit checks and chasing the same lenders is a recipe for headaches. Our job is to know our network well enough that one introduction is the right one. If they get it wrong, we re-match with no charge and no awkwardness.
Can I get a quote without sharing personal information?+
You can run our Borrowing Power Calculator and Home Loan Repayment Calculator without sharing any contact details. A quote, by definition, is personalised, so the broker needs to know your income, expenses, and the property you have in mind to give you accurate numbers.
Do you offer quotes for investment loans, refinances, and self-employed?+
Yes, all three. Different specialists in our network focus on different scenarios (first home buyer, refinancer, investor, self-employed, complex income), so the broker we connect you with will be the one whose practice fits your situation.
What if I get a quote and decide not to proceed?+
Walk away, no charge, no follow-up. If you tell us why, we use it to improve future matches.
Keep going
Useful next steps.
Borrowing Power Calculator
How much could you borrow?
Open
Home Loan Repayment Calculator
Estimate your repayments and the impact of extra repayments.
Open
First Home Buyer Guide
Grants, schemes, and concessions by state.
Open
Refinance Calculator
Could refinancing save you money?
Open
Stamp Duty Calculator
Calculate transfer duty by state.
Open
Fixed vs Variable Rates
Plain-English comparison.
Open
Information only, not a credit offer. Your Finance Guide is a finance education publisher. We are not a credit provider, broker, or lender, and we do not provide credit assistance. When you request a quote, your enquiry is referred to a licensed credit assistance partner who compares rates from a panel of Australian lenders. Full details of our partner and their licensing are available in our Credit Guide. Credit assistance is provided by The Mortgage Group Pty Ltd trading as ALG Australian Lending Group (Australian Credit Licence 505575). Read our Credit Guide.