Industry experience
Brokers who understand residential, SMSF, construction and commercial policy — not just advertised rates.
Calculators
Interactive tools for borrowing capacity, repayments, stamp duty, extra repayments and refinance break-even. Figures are estimates based on the assumptions your administrator configures.
I want to calculate
The loan will be…
and I am looking for a
Loan Preferences
Estimated repayment
$0
- Total interest$0
- Total repaid$0
Victorian general rates are used as the baseline; other states use simplified published general rates. Concessions and foreign purchaser surcharges are not applied automatically.
Estimated stamp duty
$0
- Transfer + mortgage extras (indicative)$0
- All-in estimate$0
Monthly saving
$0
- Months to recoup costs—
- Interest saved over remaining term$0
Time saved
—
- Interest saved$0
- New payoff—
Gross yield
0%
- Annual rent$0
- Annual P&I (approx.)$0
- Pre-tax cash flow$0
Estimates are indicative only and based on the assumptions configured in Theme Settings. They are not an offer of credit. Actual borrowing capacity depends on lender policy, credit history, genuine savings, existing liabilities and verification of income and expenses.
The difference
Why clients choose Top Rate Finance
Client focused
We start with your cash flow, timeline and risk appetite, then reverse-engineer a lender shortlist.
Tailored solutions
Offset, split, interest-only, construction progress draws and specialist credit — matched, not forced.
Transparent advice
You will know fees, likely conditions and trade-offs before you commit to an application.
Wide lender access
Major banks, mutuals and non-bank lenders — so your file is not limited to a single credit box.
Technology driven
Online calculators, structured discovery and a cleaner document trail so decisions move faster.