Loan Repayment Calculator

Planning your home loan? In less than 60 seconds calculate your monthly repayments and see how different loan amounts and interest rates affect your budget.

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sS

sadegh St

I had a great experience working with Luisa for my personal loan. She was professional, helpful, and made the whole process easy to understand from start to finish. Communication was clear, everything was handled smoothly, and she worked hard to find the best option for my situation. Highly recommend Luisa to anyone looking for a personal loan.

LM

Lilly Moody

Luisa is an amazing mortgage broker. As a first home buyer, the home loan process felt overwhelming, opaque and extremely daunting but Luisa guided me through the process with expert knowledge, professionalism and responsiveness. Her care, warmth and support made a huge difference to what could have been a very stressful process. With her help, I was able to secure a home loan for my dream home quickly with no issues. Cannot recommend Luisa highly enough!

DN

Dara Nuth

Australia’s No.1 Mortgage Broker!!!! Luisa is absolutely amazing! She’s not just any mortgage broker, she’s the only broker I would recommend after everything she’s done for me, she’s worked tirelessly day and night over the past 6 months with me, working on multiple scenarios that would help me achieve my goals. I get so excited and I’m literally sending her links and questions about different properties, even at 12am, she was still replying me. She went above and beyond to help me with my loans. Luisa is a 10 ⭐️ no doubt!!!!

Frequently Asked Questions

How much can I borrow?

Your borrowing capacity is dependent on a number of factors including the current interest rates, your income, your expenses, your existing level of debt and your credit rating. This will also vary from lender to lender. Reach out and we can properly assess your maximum borrowing capacity by analysing your financial situation.

How do I know which home loan is right for me?

We offer access to a wide range of products from various banks and lenders across Australia, so we can find the best fit for you. Our team will guide you through the application process, considering factors like loan amount, interest rate, fees, and repayment terms, all to ensure you make an informed financial decision.

What's the impact of stamp duty on my home buying journey?

Stamp duty is a significant added cost when buying property. Our team will help you understand how to manage these costs effectively, also unearthing any potential savings you can make with first home buyer grants or stamp duty waivers (if applicable.)

Can you assist with more than just home loans?

Yes, we certainly can! We can help with car loans, personal loans, self-managed superannuation fund (SMSF) loans, commercial loans, asset and equipment finance, refinancing and debt consolidation.

How does my credit history affect my ability to get approved for a home loan?

A good credit history is essential in securing better interest rates and higher borrowing capacity. However, if your credit history isn't perfect, we'll work with you to find alternative options that suit your financial situation. We consider factors like loan amount, lenders mortgage insurance (LMI), and loan-to-value ratio (LVR) when tailoring solutions for you.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Which lenders do you compare?

At Raiti Finance we are accredited with over 30 of Australia’s leading lenders. These include the major banks as well as 2nd and 3rd tier lenders who can accommodate more specialised lending needs.

Why use a mortgage broker?

There are three main reasons to use a mortgage broker:

- We have access to multiple lenders and loan products.
- We search for the best loan option to suit your individual needs.
- We do all the leg work to make the process fast and simple.

What areas do you service?

Raiti Finance is based in Marrickville in Sydney’s Inner West. However, we absolutely assist clients Australia-wide. The loan process can be completed remotely via phone, email and video call. If you live in Sydney, in the Inner West or Canterbury Bankstown areas, we are more than happy to meet you in person if you prefer.

What's the difference between a fixed-rate and variable-rate home loan?

A fixed-rate home loan offers predictable repayments with a set interest rate for a specified period (e.g., 2-5 years), while a variable-rate home loan has an adjustable interest rate that may change over time. We can help you choose the best option based on your financial situation and goals.

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