Australia's mortgage
broking firm,
built around you.
From your first home to your next investment, we structure every loan around one goal: getting you closer to financial independence not just a settled loan.
How We Help
Four ways we get you there
Real lending strategy matched to where you are in life not a generic rate comparison.
Buying, structured around your real position
Whether it's your first home, your next home, or your next investment, we assess your full financial position before recommending a lender not just the first rate you're offered.
- Pre-approval before you start shopping
- First home buyer grants, schemes and LMI guidance
- Owner-occupied and investment purchases across our lender panel
Home Purchase Journey
Live Application Timeline
Home Loan Appointment
Your goals, income and position reviewed with a broker
Submit Application for Pre-Approval
Application lodged with your matched lender
Contract signed and valuation ordered
Purchase contract signed and property valuation requested
Unconditional Approval Obtained
Finance secured, ready to settle
Fire Stories
See yourself in someone else's journey
Composite, anonymised illustrations of situations we help clients work through not verbatim testimonials.
“They thought they couldn't buy a home.”
A young couple assumed their expenses and commitments would rule them out. The right structure told a different story.
“Rejected by one lender. We looked at the bigger picture.”
One "no" isn't a verdict it's one lender's policy on one day. A second look found the lender who said yes.
Free Borrowing Power Calculator
Know your number before you fall in love with a property.
Real tax brackets, a genuine household expenditure benchmark, and a proper rate buffer the same serviceability approach real lenders use. Enter your numbers below for a real answer in minutes.
Household
Income
Gross, before tax. Pick whichever frequency matches your payslip.
Living expenses
Existing debts
Leave a category blank if it doesn't apply. Each is assessed at the greater of your actual repayment or a recalculated benchmark at the buffered rate same as a real lender.
Other commitments
The loan you're assessing
You may be able to borrow up to
$487,000
Passes serviceability test
How this was assessed
This mirrors the real serviceability methodology published in a major Australian lender's broker calculator real tax brackets, a genuine household expenditure benchmark, a rate buffer with a 5.3% floor, existing debts assessed at the greater of actual or recalculated repayment, and a $500/month minimum surplus before a loan is treated as an easy pass. It is still a general estimate, not a credit decision actual outcomes vary by lender and your complete financial position.
This calculator provides estimates only, based on the figures you enter and general assumptions it doesn't take into account your full financial situation and isn't formal lending or financial advice. Talk to a Fire Loans broker for an assessment specific to you.
Free Loan Assessment
Tell us where you're at.
A few details now means a broker can review it and call you back with a real, tailored answer not a generic quote.
One business day response
We reply to every enquiry within one business day.
Your privacy protected
Your details go only to Fire Loans never sold or shared with third-party marketers.
Prefer to talk now?
Call 0478 933 786 or email broker@fireloans.com.au.