Loan Check
See how you look to an Australian lender â in about 2 minutes. No credit check. No obligation. No personal data stored.
What are you looking to do?
Your goal helps us apply the right loan criteria when assessing your position.
Property & deposit details
Enter the estimated property value and how much you have available as a deposit.
Income details
Lenders assess your gross (before-tax) income to determine your borrowing capacity.
Existing debts & expenses
Lenders subtract your existing financial commitments from your borrowing capacity. Be as accurate as you can.
How Loan Check works.
Our tool uses common lender criteria as a guide â giving you a useful indication of your position before you approach a bank or broker.
Common lender criteria
We apply serviceability and LVR calculations based on common criteria used by major Australian lenders â calibrated to current market conditions.
Assessment rate last updated: March 2026
No credit check, no data storage
Loan Check does not perform a credit enquiry and does not store any data you enter. Your result is calculated entirely in your browser.
Indicative only
A positive result does not guarantee loan approval. We can provide a full formal pre-approval assessment based on your complete financial picture.
Common questions.
Loan Check uses an algorithm to assess your home loan position based on current lending criteria used by major Australian lenders. It applies Debt-to-Income (DTI) ratio checks, LVR thresholds, and Household Expenditure Measure (HEM) benchmarks to give you a fast indication of where you stand.
A weaker result means some aspect of your profile â deposit size, income, existing debts, or property value â is creating a challenge for lenders at current assessment rates. The good news is that most of these can be improved. The result screen shows you the specific factors to focus on.
No â Loan Check is designed to give you a quick indication, not a guarantee. Lenders also consider your credit history, employment stability, transaction account behaviour, and individual lending policies. A mortgage broker can give you a more definitive assessment based on your complete situation.
No. All calculations happen in your browser. We do not store, log, or share any figures you enter into Loan Check. If you proceed to contact us, only the information you explicitly provide in the contact form is shared.
We update Loan Check serviceability calculations following RBA cash rate announcements and when lenders make significant changes to their assessment rates. Major Australian lenders typically assess loans at a buffer of 3% above the loan rate (per APRA guidelines).
Want a real assessment from a licensed broker?
We can complete a full serviceability assessment and give you conditional pre-approval â free, no obligation.
Talk to us â it's free