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Calculate how much you can borrow
We will also give you an estimate of any stamp duty, LMI and other loan costs.
Rates shown are indicative only and may vary depending on your scenario.
Products and rates shown are applicable to Australian resident owner occupiers making P&I repayments only.
For investment and IO repayment scenarios, please contact us for more details.

Loan Details

Estimated property value / estimated property price
Loan amount
 
I would like to lower the interest rate by paying an annual fee of $120
(not available on all products)
 
Interest type
 
Your matching product is
 
Property type
 
Located in
 
 
Purpose of your loan
 
 

Applicant Details

Are you a first home buyer?
 
Number of applicants
 
Total annual pre-tax income
(including salary wages, interest on saving accounts or dividend from shares)
(excluding superannuation)
Applicant 1
Total annual rental income
(current and proposed)
Applicant 1
Total annual pre-tax income
(including salary wages, interest on saving accounts or dividend from shares)
(excluding superannuation)
Applicant 2
Total annual rental income
(current and proposed)
Applicant 2
Number of children under 18
 
Total limits of all credit cards
(between all applicants and including interest free store cards)
 
Total other monthly loan repayments
(between all applicants and including car loans and personal loans)
(excluding other investment home loan repayments)
 
Are any borrowers company borrowers?
 

Your Contact Details

First Name:
Last Name:
Phone Number:
Post code:
Email (get a copy of your borrowing capacity):
 
By clicking 'Calculate' you agree our terms of use

About MyRate

MyRate is an online residential home loan provider based in Sydney. Our loans are securely funded by multiple banking institutions. MyRate works with Firstfolio Limited as our Mortgage Manager. Our Funder and our Mortgage Manager together are considered our financier.

MyRate obtains home loan products at wholesale rates from our financier and then markets that range of products to you under the MyRate brand. Because of the volume of loans we originate, we are able to obtain competitive wholesale rates from our financier and then pass on those savings to consumers.

MyRate is here to bring transparency, flexibility and efficiency to a complex home loan process.
At MyRate we strive to simplify the home loan application process. Whether you are a remote worker, a 9-to-5 office employee or a full-time mother, we are just a phone call or email away. Apply online or Enquire now to get started!

Some of our awards

2013 MyRate Best Variable Home Loan Provider
2013
Best Variable Home Loan Provider
Global Banking & Finance Review Awards
2013 MyRate Best Fixed Rate Home Loan
2013: Gold Medal
Best Fixed Rate Home Loans (overall)
Australian Home Loan Awards
2013 MyRate Best Speed of Approval Non-Bank
2013: Gold Medal
Best Speed of Approval Non-Bank
Australian Home Loan Awards
2012 MyRate Best Loan for Investors
2012: Gold Medal
Best Loan for Investors
Mortgage of the Year Awards

Contact us

General enquiries
1300 663 558
+612 8061 8195 (from overseas)
9:00am – 5:30pm, Monday - Friday, AEST
enquiries@myrate.com.au
Telephone banking/Lost or stolen cards
131 455
+612 9028 4172 (from overseas)
Fax
02 8572 5328
Address
Suite 901, level 9
447 Kent Street
Sydney, NSW, 2000
Australia
ABN 19 119 565 150
Australian Credit Licence 389058
Dispute Resolution
MyRate operates an Internal Dispute Resolution (IDR) process. View our IDR Procedure.
Ask us a quick question
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Message

 

Important Informaton

1 The Compulsory Comparison Rate (CCR) applies only to the example or examples given. The CCR is based on a $150,000 loan over 25 years. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate and may influence the cost of the loan. For loan products that include LVR specific pricing, the revert rate used at the end of the fixed period to calculate the CCR makes use of the lowest available variable rate on offer.

2 MyRate rates shown are valid for new loans only and are subject to change at any time. Interest rates for "variable" type loans will vary from time to time with market conditions. Our funders may not always vary all existing loans by the same amount. As such, existing borrowers may have slightly different interest rates depending on when a home loan settled. There is not one "Standard Variable" reference rate that applies to all home loans. Existing customers can verify their current rate(s) by logging in to internet banking or by contacting customer service.

3 All information on this website is of a general nature and does not take into account your individual circumstances. MyRate has used its best endeavours to ensure the accuracy of all information on this website however your loan agreement will contain all final rates, fees, terms and conditions associated with your loan.

4 All products and information shown are for Australian residents with Owner Occupied applications making principal and interest repayments and some changes to advertised interest rates and features may apply if the loan is for Investment purposes or for interest only repayments.

5 Loans that come off a fixed rate will revert to the advertised variable rate applicable to the loan, at that time.

6 All calculations, comparisons, potential benefits, and indicative savings shown on the MyRate website do not take into account your personal circumstances, as such, your actual results may differ. MyRate does not give financial advice – for advice that takes your circumstances into account please consult a qualified financial advisor.

7 MyRate is not a bank or other Authorised Deposit Taking institution.

 
MyRate Pty Ltd | ABN 19 119 565 150 | Australian Credit Licence 389058
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