Important Information & Disclaimer

The information and calculations provided by this service are general and educational in nature. They do not take into account every aspect of your individual objectives, financial situation, legal position, taxation circumstances or future needs.

Nothing provided through this service should be regarded as personal financial advice, credit advice, legal advice, taxation advice or property advice.

Australian Home Loan Limit & Guidance is not a bank and does not itself provide home loans.

Completing an assessment does not submit a loan application to a lender and does not result in lender pre-approval or approval.

A lender may assess the same borrower differently because each lender applies its own credit policy, serviceability methodology, income treatment, expense benchmarks, interest-rate buffers, lending criteria and verification requirements.

Borrowing estimates are calculated using model assumptions, information entered by the user and general serviceability concepts.

Actual borrowing capacity may be higher or lower than the amount shown. The displayed borrowing range is intended to illustrate possible lender variation and should not be interpreted as a guaranteed lending range.

Interest rates and repayment amounts shown by the service are estimates only.

Actual rates may depend on the lender, loan product, loan-to-value ratio, borrower circumstances, fees, discounts, fixed or variable rate structure and market conditions.

Interest rates can change, and repayment estimates may therefore differ from the repayments ultimately payable under a loan contract.

Stamp duty, transfer duty, registration costs, conveyancing allowances, Lenders Mortgage Insurance and other purchase-cost estimates are provided for planning purposes only.

Actual transaction costs can vary according to jurisdiction, property type, purchase price, purchaser circumstances, lender, insurer and government rules.

Users should verify material purchase costs with the relevant government authority, conveyancer, solicitor, lender or other appropriate professional before entering into a property transaction.

Information about grants, duty concessions and other first-home assistance is indicative only.

Eligibility depends on the legislation, scheme rules, property type, transaction date, property value, residency, occupancy and other criteria applicable in the relevant state or territory.

Government programs, thresholds and grant amounts can change. Users should confirm eligibility directly with the relevant state or territory revenue authority before relying on an estimated benefit.

Any Lenders Mortgage Insurance amount displayed by the service is an illustrative planning allowance only.

Actual LMI premiums are determined by lenders and mortgage insurers and can vary materially depending on the loan amount, loan-to-value ratio, borrower profile and insurer pricing.

Scenario results show the modelled effect of changing selected inputs such as debts, credit-card limits, expenses, income, contribution or loan term.

These scenarios are not recommendations that a user should take a particular action. The actual effect of any financial change may differ when assessed by a lender.

Reasonable efforts are made to keep the model and supporting information accurate and current. However, laws, lender practices, government schemes, rates, thresholds and costs can change without notice.

No representation is made that every estimate will always reflect the latest lender policy or government rule applicable to a particular transaction.

Unless expressly stated otherwise, this service is independent and is not affiliated with, sponsored by or endorsed by any bank, lender, mortgage insurer, government authority or first-home assistance program.

Any reference to lender practices, market behaviour or government schemes is provided for informational or modelling purposes only.

Assessment information entered into the calculator is intended to be used only to generate the user's calculation within the application experience.

The service is designed so that assessment information is not submitted to a lender as part of the calculator process.

Technical infrastructure providers may process ordinary technical information required to deliver the website or application. A separate Privacy Policy will describe the application's actual information-handling practices.

Users should independently verify important figures before making a financial commitment, entering into a property contract or applying for credit.

Where appropriate, users should consider obtaining information from a licensed lender or credit professional, conveyancer, solicitor, accountant, tax adviser or relevant government authority.

Decisions involving property purchases and borrowing should not be made solely on the basis of an estimate generated by this service.

To the extent permitted by law, Australian Home Loan Limit & Guidance does not accept responsibility for loss arising solely from reliance on an indicative calculation where the actual lender, government or transaction outcome differs.

Nothing in this disclaimer excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded under Australian law.

The service is intended to provide generic educational modelling rather than assistance with selecting, arranging or applying for a particular credit contract.

The functionality and business model should continue to be reviewed as the service evolves, particularly if future versions introduce lender referrals, product recommendations, application assistance, commissions, personalised lender matching or other credit-related services.