Raynor Lending Jai Raynor, Mortgage Broker
Free decision tools

Start with the question, not the calculator

These tools help separate the moving parts before you speak to a lender. Pick the question that sounds like yours, replace the example figures you know, and use the result as a starting point for a proper conversation.

Choose a tool See how the loan process works

No name, email or phone number is required to see an estimate.

Four useful starting points

What are you trying to work out?

Each tool answers one bounded question. None of them decides whether a loan will be approved or which option is suitable for you.

Purchase cash

How much cash do I actually need to buy?

Estimate the deposit, transfer duty, government fees, legal costs and total funds needed for a purchase in your state or territory.

Useful for: testing a price point and separating the deposit from the full cash number.

It cannot tell you: whether a lender will approve the loan, your final LMI cost or every property-specific adjustment.

Use the Cost to Complete Calculator
Borrowing illustration

Why can borrowing estimates be so different?

See how three fictional lender types could treat the same income, debts, card limits, HELP balance and household spending differently.

Useful for: seeing which inputs may be changing the answer and where a real lender comparison needs to begin.

It cannot tell you: a named lender's current policy, a live rate, your approved limit or whether a property is acceptable.

Open the Borrowing Power Lab
Moving home

Should I buy first or sell first?

Compare selling first, aligned settlements, buying with bridging finance and keeping the current home for a period using one shared set of figures.

Useful for: comparing timing pressure, peak debt, transition costs and the cash buffer across four common paths.

It cannot tell you: whether bridging is available, what a contract allows, the final valuation or the tax outcome.

Use the Buy First or Sell First Planner
Shared equity

Could Help to Buy change the numbers?

Explore a simplified shared-equity purchase, check the main public eligibility gates and compare the estimated loan and repayment with a standard purchase.

Useful for: understanding the basic mechanics before checking the current scheme rules and property limits.

It cannot tell you: whether a place is available, whether you will be accepted or whether shared equity is suitable for you.

Use the Help to Buy Calculator
1. Start broad

Use the figures you know

An estimate is still useful when its assumptions are visible. Replace an example only when you have a better figure.

2. Read the boundaries

Notice what is missing

No public tool can reproduce a lender's full credit assessment, verify your documents or predict a valuation.

3. Bring the useful result

Pressure-test the next decision

Save or print the result where the tool allows it, then use it to ask a more specific question.

Your figures, the assumptions and the sources

The tools do not ask for your name, email address or phone number before showing an estimate. The site uses analytics to understand which pages and tools are useful. The privacy policy explains what is collected, how form entries are protected and where the information is processed.

Each tool explains its assumptions and, where a rule or public figure is used, links to the source on the tool itself. Dates and public rules can change. Check the source note before relying on a figure, especially when your contract date or state rules matter.

Keep sensitive information out of public forms. Do not enter account numbers, bank login details, tax file numbers or identity-document numbers into these tools or the website contact form.

Prefer to learn the process first?

Start with the first-home buyer walkthrough, build the full list with the cash-to-complete guide, or browse the plain-English home loan guides. The tools are most useful when you understand what question each result is answering.

Got a result that doesn't make sense?

Tell me what you were trying to work out and where it stopped making sense. I'll help you find the next question.

Tell me what you're trying to do

Prefer a scheduled conversation? Book a free strategy session.

These tools and this page provide general information and simplified estimates only. They do not take into account your objectives, financial situation or needs and are not financial, investment, tax, legal or credit advice. Loan availability, lender assessment, government rules, costs and property acceptance depend on your circumstances and can change. A result is not an approval, quote or personal recommendation.