A free home loan app from a Melbourne mortgage broker who used to work the other side of the desk.

Gorakh Timilsina spent years as a senior credit officer assessing home loan applications. He now runs GNT Finance from Mickleham in Melbourne's north. Almost all of it works without an account.

NOT A GOVERNMENT APP

GNT Finance and Mortgage is a private mortgage broker. This app is not affiliated with, endorsed by, or acting on behalf of any government entity, and it is not a government service. We cannot grant, refuse or administer any government scheme.

WHERE OUR INFORMATION COMES FROM

Every figure, rule and legal requirement in this app that comes from government is reproduced from the official sources below. This is the complete list. Rules change; confirm the current position with the agency.

• Stamp duty, land tax and state property taxes: sro.vic.gov.au, revenue.nsw.gov.au, qro.qld.gov.au, wa.gov.au, revenuesa.sa.gov.au, sro.tas.gov.au, revenue.act.gov.au, treasury.nt.gov.au
• Property law, contracts and land titles: consumer.vic.gov.au, land.vic.gov.au, legislation.vic.gov.au, fairtrading.nsw.gov.au
• First Home Guarantee and price caps: housingaustralia.gov.au
• Serviceability buffer, cash rate: apra.gov.au, rba.gov.au
• Income tax, CGT, gearing, First Home Super Saver: ato.gov.au
• Foreign investment and FIRB: foreigninvestment.gov.au
• Credit law, hardship rights and complaints: asic.gov.au, moneysmart.gov.au, legislation.gov.au, afca.org.au
• Visas, residency and study loans: immi.homeaffairs.gov.au, studyassist.gov.au, servicesaustralia.gov.au

Each with a direct link: gntfinance.com.au/sources/

34 FREE HOME LOAN CALCULATORS

Borrowing power. Repayments. Stamp duty for every state and territory. LMI. LVR. Upfront costs. Deposit savings. Rent vs buy. Refinance savings. Extra repayments. Offset. Split loans. Interest only vs P&I. Debt consolidation. Equity. Investment cash flow and negative gearing. Land tax. Capital gains tax. Rate-rise stress test. First Home Guarantee eligibility. Bridging. Car and personal loans.

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300+ PLAIN ENGLISH GUIDES AND ARTICLES

• 86 home loan guides with worked examples
• 25 property law explainers, written from the sources above
• 27 loan services: first home, refinancing, investment, self-employed, construction, SMSF, guarantor and visa holder loans
• A 70 question FAQ, a 140 term glossary and the Handbook
• A new article every day on rates, grants and law changes
• Anything you open stays readable offline

ASK GNT

Ask a general home loan question and get an answer drawn from our own guides, with the source shown. General information only, and it can be wrong.

TALK TO A REAL MORTGAGE BROKER

• Book a free 15 minute call and add it to your calendar.
• Start a two minute pre-assessment. Not a credit application, no credit score impact.
• Create a free account to follow your application through all 8 stages.

We work with families from Nepal, India, the Philippines, Vietnam, Sri Lanka, Pakistan and beyond. Gorakh consults in English, Nepali and Hindi. Melbourne in person; every state by phone and video. Call 0426 403 703.

IMPORTANT INFORMATION

GNT Finance and Mortgage provides credit assistance under the National Consumer Credit Protection Act 2009 (Cth). We are not a lender: we do not issue credit or set rates, and no loan is offered, applied for or approved in this app.

Loans come from third party Australian lenders on our panel. Home loan terms typically run 1 to 30 years and never under 60 days. Rates, comparison rates, fees and the repayment period are set by the lender, not by us, and disclosed in writing before you sign.

We charge no fee for home loan credit assistance; the lender usually pays us a commission, disclosed in your Credit Proposal. We owe you a Best Interests Duty by law.

GNT Finance and Mortgage, ABN 90 160 461 553.
Credit Guide, Privacy Policy, Terms: gntfinance.com.au
Complaints: AFCA, afca.org.au, 1800 931 678.