Disclaimer

General information only

Everything on this website is general information. It does not take into account your objectives, financial situation or needs. Nothing here is a recommendation, an offer of credit, or personal financial advice, and it should not be relied on as though it were.

Your full financial situation and requirements need to be considered before any offer of credit is made or accepted. Please speak with us, and seek independent legal, tax or financial advice where appropriate, before making a decision.

We are not financial advisers

Onur-Kagan Sezgin, trading as The Loan Investigator, provides credit assistance as a credit representative of Broker ACL Pty Ltd, Australian Credit Licence 563763. We are not licensed to provide financial product advice, taxation advice or legal advice, and nothing on this website should be read as any of those.

Calculators

The calculators on this website produce estimates only. They are provided to help you explore scenarios, not to tell you what you can borrow or what a loan will cost.

• They are not a credit assessment, a pre-approval, a conditional approval, or an offer of credit.
• They rely on general assumptions and on the figures you enter, which may not reflect your circumstances.
• They do not apply any particular lender's credit policy, servicing calculator, assessment rate, or treatment of your income and expenses — all of which vary significantly between lenders and materially affect the outcome.
• Actual borrowing capacity, repayments, fees and costs are determined by the lender following a full assessment of your application.

The assumptions used in each calculator are listed on that calculator's page. Do not make a financial commitment on the basis of a calculator result.

Interest rates

We do not publish interest rates on this website. Rates change frequently, vary by lender, product, loan purpose, loan-to-value ratio and borrower profile, and any rate published here would be out of date quickly. Please contact us for current information relevant to your circumstances.

Government schemes, grants and duties

Where we describe government programs — including first home buyer grants and guarantees, shared equity schemes, and stamp duty concessions and exemptions — that information is accurate to the best of our knowledge at the date shown on the page, and no later.

These programs change, sometimes at short notice, and eligibility criteria, price caps, income thresholds and available places are all subject to change. Always confirm current details with the relevant authority, such as the State Revenue Office of Victoria, Housing Australia, or the Australian Taxation Office, before relying on them.

Lender policies and product features

Descriptions of what lenders may accept — including policies relating to particular occupations, lenders mortgage insurance waivers, and self-employed income assessment — are general descriptions of what is sometimes available in the market. They are not a statement that any lender will approve your application, or that any particular policy will be available to you. Lender policies change without notice and eligibility is always determined by the lender.

Accuracy

We take care to keep this website accurate and current, but we do not warrant that it is free from error or omission. To the extent permitted by law, we exclude liability for any loss arising from reliance on the information published here.

Nothing in this disclaimer excludes any right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded.

Third-party links

This website links to third-party websites, including government, regulator and lender sites. We provide those links for convenience. We do not control those sites, are not responsible for their content, and a link is not an endorsement.

Testimonials and reviews

Reviews published on this website are genuine reviews from clients. Individual circumstances differ, and another person's outcome does not indicate what your outcome will be. All applications are subject to lender assessment and approval.