Home loan calculators and tools

Plan ahead with a home loan calculator and save thousands.

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You can use the calculators on this page to estimate the repayment costs of a home loan, your borrowing power, stamp duty costs and many other home loan costs.

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Use our home loan calculator to estimate repayments

Loan repayment calculator

Loan repayment calculator

Choose between monthly, fortnightly or weekly payment frequencies, to calculate what your regular minimum repayments will be on your home loan.

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How much can I borrow calculator?

Borrowing power calculator

Find out your borrowing potential so you know what you can afford. Although this differs from lender to lender, this calculator will give you a good estimate.

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Extra repayment calculator

Extra repayment calculator

Calculate how much money you could save by making regular extra monthly repayments.

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Stamp Duty Calculator

Stamp duty calculator

Avoid the confusion by using this calculator to work out how much stamp duty you will need to pay.

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Split rate loan calculator

Split rate calculator

Work out how much you will or won’t save if you were to split your loan.

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Lump sum calculator

Lump sum calculator

Work out how much you can save by making large lump sum payments

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Property buying cost calculator

How much does buying a property really cost?

Work out how much you will need to cover other expenses like conveyancing fees and building inspection fees.

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Switching cost calculator

Switching cost calculator

Find out if refinancing to another home loan will save you money.

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Other helpful calculators

"property selling cost calculator"

Income Tax Calculator
Income tax calculator

Use this calculator to work out your after tax income, and how much of your net income you will be able to allocate towards buying a property.

honeymoon loan calculator
Calculate how much a honeymoon loan will save you

This will help you to work out how much you will be paying once the introductory period ends and the interest rate reverts to the standard rate.

Offset Mortgage Calculator
Offset account savings calculator

This calculator can tell you how much interest you’ll save and how much faster you can pay off your loan if you use an
offset account.

reverse mortgage calculator
Reverse mortgage calculator

If you’re thinking about your retirement, this calculator will estimate how much money you can borrow from your mortgage, based on your age and property value.

how long to repay?
Calculate how long it will take you to pay off your home loan

This easy-to-use calculator allows you to figure out how long it will take you to pay off your mortgage.

bi-monthly calculator
See how much money you could save with bi-monthly repayments

This calculator shows you the time and money saved by making fortnightly repayments.

remaining balance calculator
Remaining balance calculator

Find out what your remaining home loan balance will be in the future

How to get the most out of our home loan calculators

Using these home loan calculators is easy and hassle-free. You just need to have an idea of your loan amount, desired interest rate, repayment type and other information. If you're a first home buyer or you're just doing early research, try and think of rough numbers to match your needs and budget.

Depending on the type of calculator, you can also enter details like which state you're in (stamp duty costs vary by state) as well as the repayment type (make sure you know the difference between principal and interest and interest-only loans.

Other calculators like the income tax calculator and the borrowing power calculator will require your income and current expenses.

The calculators give you flexible options like monthly, fortnightly or weekly repayments and various loan terms so you can tailor each calculator to your specific situation. You can also use the amortisation tab, which breaks down how much interest you’ve paid, and where your loan balance stands after every year. After you’ve calculated the results, you can convert your findings into a PDF so you can easily access it again later.

Compare home loan options below

Data indicated here is updated regularly
$
years
Name Product Interest Rate (p.a.) Comp. Rate^ Application Fee Ongoing Fees Max LVR Monthly Payment
Westpac Flexi First Option Home Loan
2.29%
2.72%
$0
$8 monthly ($96 p.a.)
95%
$577.55
Up to $3,000 refinance cashback.
A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.
St.George Basic Home Loan
2.54%
2.56%
$0
$0 p.a.
80%
$596.91
Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 80% of the property's value. (Terms, conditions & exclusions apply).
Macquarie Bank Basic Home Loan
2.49%
2.49%
$0
$0 p.a.
60%
$593.01
A competitive variable rate home loan for owner-occupiers. Requires a 40% deposit.
UBank UHomeLoan Variable Rate
2.34%
2.34%
$0
$0 p.a.
80%
$581.39
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
HSBC Fixed Rate Home Loan
1.88%
2.98%
$0
$0 p.a.
80%
$546.6
Lock in a competitive fixed rate for 2 years and buy your home with a 20% deposit.
Athena Variable Home  Loan
2.19%
2.19%
$0
$0 p.a.
60%
$569.91
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.
Suncorp Back to Basics Home Loan
2.54%
2.55%
$0
$0 p.a.
80%
$596.91
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.
Well Home Loans Balanced Fixed Home Loan
1.94%
2.18%
$250
$0 p.a.
90%
$551.07
Owner occupiers can get a sharp fixed rate for the first year, plus an offset account. Available with a 10% deposit.
Suncorp Home Package Plus Fixed
1.89%
2.94%
$0
$0 p.a.
80%
$547.35
Lock in a low fixed rate loan for two years and get the annual package fee waived in the first year. Available for borrowers with 20% deposits.
UBank UHomeLoan Fixed
1.95%
2.27%
$0
$0 p.a.
80%
$551.82
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
St.George Fixed Rate Advantage Package
2.09%
3.46%
$0
$395 p.a.
95%
$562.33
Lock in a low fixed rate for the first two years. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
Westpac Fixed Option Home Loan Premier Advantage Package
2.09%
3.5%
$0
$395 p.a.
95%
$562.33
Up to $3,000 refinance cashback.
Competitive fixed rate home loan. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply.
HSBC Home Value Loan
2.59%
2.6%
$0
$0 p.a.
80%
$600.83
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.
homeloans.com.au Low Rate Home Loan with Offset
2.14%
2.16%
$0
$0 p.a.
60%
$566.11
A competitive rate with no application or ongoing fee. This loan is not available for construction.
Well Home Loans Balanced Variable
2.17%
2.2%
$250
$0 p.a.
80%
$568.39
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee. This special discount rate is available for new borrowers who apply and get approved by 30 November 2020. Not available for construction purposes.
Virgin Money Reward Me Fixed Rate Home Loan
2.04%
2.79%
$300
$10 monthly ($120 p.a.)
80%
$558.56
$3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 30 November 2020 and settle by 23 April 2021.
Macquarie Bank Offset Home Loan Package
2.49%
2.76%
$0
$0 p.a.
60%
$593.01
A sharp variable rate with low fees for borrowers with 40% deposits or refinancers with equity in their properties.
homeloans.com.au Low Rate Home Loan with Offset
2.24%
2.26%
$0
$0 p.a.
90%
$573.72
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments. This loan is not available for construction.
Macquarie Bank Basic Fixed Home Loan
2.19%
2.53%
$0
$0 p.a.
80%
$569.91
Borrow up to $750,000 with this basic 3 years fixed rate home loan.
St.George Basic Home Loan
2.59%
2.61%
$0
$0 p.a.
90%
$600.83
Up to $4,000 refinance cashback.
With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).
Well Home Loans Balanced Fixed Home Loan
2.04%
2.17%
$250
$0 p.a.
90%
$558.56
A low 3 year fixed rate for home buyers. Add a 100% offset account with a $10 monthly fee. Not available for construction purposes.
Bank of Melbourne Basic Home Loan
2.54%
2.56%
$0
$0 p.a.
80%
$596.91
Up to $4,000 refinance cashback
A competitive variable rate loan from Bank of Melbourne. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and exclusions apply).
Athena Variable Home  Loan
2.24%
2.21%
$0
$0 p.a.
70%
$573.72
A low variable rate for owner occupiers with 30% deposits. No upfront or ongoing fees.
UBank UHomeLoan Fixed
2.14%
2.35%
$0
$0 p.a.
80%
$566.11
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
Bank of Melbourne Advantage Package Fixed Home Loan
2.09%
3.46%
$0
$395 p.a.
95%
$562.33
Competitive fixed rate loan. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
BankSA Basic Home Loan
2.54%
2.56%
$0
$0 p.a.
80%
$596.91
Up to $4,000 refinance cashback
A competitive variable rate loan from BankSA. Refinancers borrowing $200,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply).
Westpac Fixed Option Home Loan Premier Advantage Package
1.99%
3.29%
$0
$395 p.a.
95%
$554.81
Up to $3,000 refinance cashback. Lock in a very low rate for four years with this owner occupier loan. You will need a 30% deposit or equity to get this loan. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply.
St.George Fixed Rate Advantage Package
1.94%
3.21%
$0
$395 p.a.
80%
$551.07
A competitive fixed rate loan. Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply).
Bank of Melbourne Advantage Package Fixed Home Loan
1.94%
3.21%
$0
$395 p.a.
80%
$551.07
A competitive fixed rate loan. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
BankSA Advantage Package Fixed Home Loan
1.99%
3.26%
$0
$395 p.a.
95%
$554.81
A competitive fixed rate loan. Refinancers borrowing $200,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
homeloans.com.au Low Rate Home Loan with Offset
2.59%
2.61%
$0
$0 p.a.
90%
$600.83
Save on interest with a free 100% offset account and buy your property with just a 10% deposit. This loan is not available for construction.
CUA Achieve Variable Home Loan
2.55%
2.6%
$600
$0 p.a.
95%
$597.7
Home buyers can get a competitive, low-fee variable rate plus a 100% offset account. Low deposit option available. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs.Eligible refinancers can get a $2,000 pre-paid credit card when they switch to CUA.
Well Home Loans Balanced Fixed Home Loan
1.99%
2.17%
$250
$0 p.a.
90%
$554.81
A low fixed mortgage with an optional 100% offset account. Not available for construction purposes.
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan
2.59%
2.6%
$0
$0 p.a.
110%
$600.83
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, QLD and ACT only.
Athena Variable Home  Loan
2.29%
2.23%
$0
$0 p.a.
80%
$577.55
A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.
Well Home Loans Balanced Variable
2.52%
2.55%
$250
$0 p.a.
90%
$595.35
A very low variable interest rate for borrowers with a 10% deposit. Add a 100% offset account for $10 a month. Not available for construction purposes.
Virgin Money Reward Me Variable Home Loan
2.59%
2.76%
$300
$10 monthly ($120 p.a.)
60%
$600.83
$3,000 refinance cashback.
A variable rate loan for owner occupiers with a 40% deposit (or equity) borrowing under $500,000. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 30 November 2020 and settle by 23 April 2021.
BankSA Advantage Package Fixed Home Loan
2.09%
3.46%
$0
$395 p.a.
80%
$562.33
Competitive fixed rate loan. Refinancers borrowing $200,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
Athena Variable Home  Loan
2.54%
2.54%
$0
$0 p.a.
60%
$596.91
Investors with large 40% deposits or equity can get this low variable rate. A competitive option for investors looking to refinance.
UBank UHomeLoan Variable Rate
2.74%
2.74%
$0
$0 p.a.
80%
$612.67
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
Macquarie Bank Basic Fixed Home Loan
2.09%
2.43%
$0
$0 p.a.
70%
$562.33
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit.
Athena Variable Home  Loan
2.59%
2.56%
$0
$0 p.a.
70%
$600.83
Athena's refinance offer for investors and owner occupiers.
UBank UHomeLoan Fixed
2.29%
2.65%
$0
$0 p.a.
80%
$577.55
Pay no ongoing fees on this investment loan fixed for 3 years.
Athena Variable Home  Loan
2.64%
2.59%
$0
$0 p.a.
80%
$604.76
A competitive investor variable rate that falls as you build equity.
HSBC Home Value Loan
2.64%
2.65%
$0
$0 p.a.
90%
$604.76
A competitive value home loan with no ongoing fee.
Macquarie Bank Basic Home Loan
2.64%
2.64%
$0
$0 p.a.
80%
$604.76
Pay no application and ongoing fees and take advantage of split and redraw options.
Athena Variable Home  Loan
2.84%
2.68%
$0
$0 p.a.
80%
$620.63
A competitive interest-only investor rate with no application or ongoing fees. Requires a 20% deposit.
Heritage Bank Fixed Rate Home Loan
2.19%
4.23%
$600
$8 monthly ($96 p.a.)
95%
$569.91
Get a partial offset account and the option to make interest-only repayments.
Athena Variable Home  Loan
2.84%
2.46%
$0
$0 p.a.
80%
$620.63
Owner occupiers can refinance to one of the most competitive interest-only rates in the market. No application fee and no ongoing fees.
Heritage Bank Advantage Package Fixed
2.39%
3.23%
$0
$350 p.a.
95%
$585.25
Get a partial offset account and flexible repayments with this package loan.
AMP Bank Essential Home Loan
3.34%
3.37%
$0
$0 p.a.
90%
$661.31
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
Heritage Bank Discount Variable Home Loan
2.68%
2.73%
$600
$0 p.a.
80%
$607.92
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
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Applications are subject to approval. Conditions, fees and charges apply. Please note that you need to be an Australian citizen or permanent resident to apply.

Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit services for Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 (“Aussie”) and its appointed credit representatives. Aussie is a trade mark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2020 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

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After entering your details a mortgage broker from Aussie will call you. They will discuss your situation and help you find a suitable loan.

  • A comparison of home loans from multiple lenders.
  • Expert guidance through the entire application process.
  • Free suburb and property reports.

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  • Personalised comparison rate calculator

    The comparison rate represents the actual cost of a home loan by taking into account its interest rate and any additional fees charged by the lender.

  • Remaining balance calculator

    Calculate the remaining balance of your home loan so you can better plan ahead.

  • Home equity loan calculator

    Home equity can help you access extra financing from lenders to spend on things like home renovations or investment properties. Find out how you can calculate the equity in your home.

  • Home Loan Eligibility Calculator

    Check out our home loan borrowing power calculator to see if you'll be able to afford the loan you want.

  • Interest-only Mortgage Calculator

    Estimate the cost of your repayments if you only paid the interest portion of your loan.

  • Calculate how long it takes to pay off your mortgage

    Find out down to the month how long it’ll take to pay off your home loan with our free calculator.

  • Home Loan Deposit Calculator

    You've been considering moving out of that apartment and into a home of your own for some time now, but there's a lot to think about and you're not completely sure where to start. How much can you afford to pay for a home? What will your monthly loan payments be? How much will you need to have saved up to put down? What will the bank do to help you?

  • Fortnightly Mortgage Payment Calculator

    Find out how you could save thousands on your home loan by switching to fortnightly repayments.

  • Offset calculator

    An offset calculator helps you estimate the benefits of a 100% home loan offset. Try it out now.

  • Lump sum repayment calculator

    Use a lump sum calculator to find out how much you can save in interest on your home loan over the life of the loan.

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)

Get a competitive variable interest rate with no application fee or ongoing fees.

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10 Responses

    Default Gravatar
    AmishMay 28, 2018

    Hi, I just want to ask that I want to buy a house and how your company works. I just need detail.

      Default Gravatar
      NikkiMay 28, 2018

      Hi Amish,

      You can go and check the list of companies who can provide you a home loan in this guide. If you’ve found the home loan you want to apply, please contact the lender to discuss your eligibility or options.

      Alternatively, you can speak to a mortgage broker who can take account your circumstance and find a suitable loan for you.

      Hope this was helpful.

      Cheers,
      Nikki

    Default Gravatar
    KateAugust 4, 2015

    I have $140,000 savings. Im a single person with no dependants and want to use my savings plus a $120,000 loan to buy property. My annual income is $45,000 with no loans debts or credit cards . Can I borrow the $120,000 and what would be monthly repayments?

      Avatarfinder Customer Care
      BelindaAugust 5, 2015Staff

      Hi Kate,

      Thanks for your enquiry.

      Please note that each lender will have different eligibility criteria that you’ll need to meet to qualify for one of their home loans, but ultimately they will review your ability to service the mortgage by reviewing your income, assets and any existing debts you have against your name.

      On this page you can use our home loan repayment calculator to estimate what your repayments would be and you can also compare a range of home loans in the comparison table to find one that suits your needs.

      Thanks,
      Belinda

    Default Gravatar
    annieMay 29, 2015

    Hi, we are looking at consolidating our debt’s 22k into our mortgage, 50k left on it, are many lenders keen to refinance to consolidate?

      Avatarfinder Customer Care
      MarcMay 29, 2015Staff

      Hi Annie,
      thanks for the question.

      There are many lenders who allow you to do this. You can compare some of these lenders, and speak to an expert in debt consolidation by reading our guide. If you’d like to talk to an expert broker about this, click the ‘speak to a mortgage broker’ tab to begin a free discussion.

      Please let me know if you need any help with this.

      Marc.

    Default Gravatar
    HeidiApril 28, 2015

    I borrowed 45,000 how much taxes will I have to pay

      Default Gravatar
      JodieMay 14, 2015

      Hi Heidi,

      Thank you for reaching out to finder.com.au, a financial comparison website.

      Taxes vary from state to state, please contact your local state revenue office or the Australian Taxation office to discuss your specific circumstances.

      Regards
      Jodie

    Default Gravatar
    julieJuly 31, 2014

    Hi , just a question and hope you can help. My partner was advised today from the broker who applied to liberty for a non genuine savings loan that they would only offer him a loan on a high interest rate due to his bank statements having late payments which can be explained ,I believe everything else was all good ,he is a first home buyer but isn’t applying due to myself being linked to him and as i have previously purchased he wont qualify. He is fifo and full time just over probation but same for max 6 yrs and has , his credit history is clear but did go bankrupt in 96 but has just reason if need be. It would be with great appreciation if you could assist .
    Thank you
    Julie and Alan

      Avatarfinder Customer Care
      MarcAugust 1, 2014Staff

      Hi Julie,
      thanks for the question.

      I’d recommend contacting another mortgage broker with a large panel of lenders. If a mortgage broker doesn’t have a large panel of lenders to choose from it may result in you not getting the best loan for you.

      Be aware too that if you apply for too many home loans in one space in time it may be hard for you qualify for further home loans.

      I hope this helps,
      Marc.

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