How does AI mortgage pre-qualification work in Australia?

Our AI analyses your income, expenses and deposit against the lending criteria of 22 Australian lenders — including the Big 4 banks and digital lenders — and gives you an indicative borrowing capacity in under 60 seconds. No credit check required.

How much can I borrow for a home loan in Australia?

Your borrowing capacity depends on your gross income, monthly expenses, existing debts, and deposit. Australian lenders use the Household Expenditure Measure (HEM) and apply a 3% APRA serviceability buffer on top of the loan rate. Use our free AI calculator to get an instant estimate.

Is AgentFinance a licensed mortgage broker?

No. AgentFinance is an AI-powered information tool, not a licensed credit provider or Australian Financial Services Licence holder. We connect you with accredited mortgage brokers. Always obtain independent advice before making lending decisions.

Which Australian lenders does AgentFinance compare?

We compare 22 lenders including CBA, NAB, Westpac, ANZ, Macquarie, ING, Athena, Ubank, Suncorp, Reduce Home Loans, Loans.com.au, Homestar, BankWest, AMP, BOQ, Bendigo Bank, St.George, HSBC, Greater Bank, Teachers Mutual, Pacific Mortgage Group and 86 400.

AI Mortgage Agent Australia — Get Pre-Qualified in 60 Seconds

AI Agent

Doc Analysis

Scenarios

Lenders

Finley ✓ AI Broker

Online · 15+ yrs AU experience · 22 lenders

G'day! I'm Finley, your AI mortgage and finance broker — with 15+ years of Australian lending experience built in.

I can help you get pre-qualified in 60 seconds, compare 22 lenders, analyse your documents, or run affordability scenarios.

To get started: what are you looking to do? Buy a home, refinance, or invest?

Just now

I want to buy my first home How much can I borrow? I want to refinance What's my borrowing power? Investing in property

Not financial advice. Not a licensed credit provider. For informational purposes only. Speak with a qualified mortgage broker before making decisions. Documents processed by Anthropic — not stored by AgentFinance. Australian users only.

Document Analysis

Upload payslip, tax return, or bank statement

Payslip

PAYG, payslip PDF or photo

→

Tax Return

ATO myGov, PAYG summary

→

Bank Statement

3 months · PDF or screenshot

→

Drop files here or tap to upload

Processed by Anthropic · Not stored · Max 5MB

Payslip Tax Return Bank Statement PDF Image

Annual Income—

Monthly Expenses—

Existing Debts—

Net Monthly Surplus—

Employment Type—

Document Type—

Pre-Qualification Results

Checking lenders...

You may qualify for
$0

Based on your income and expenses

Free Broker Match

Connect with an accredited AU broker

FREE NO OBLIGATION

Get matched with a licensed Australian mortgage broker who can lodge your application and lock in a rate — free, no obligation.

Brokers pay us a referral fee when your loan settles. No cost to you.

Upload & Analyse Documents

AI vision extracts all financial data

Drop your document here

Payslip • Tax Return • Bank Statement • PDF • Image • Max 5MB

Processed by Anthropic — not stored by AgentFinance

ATO myGovPAYG SummaryBank PDFPNG/JPGGroup Certificate

Affordability & Scenario Planner

What-if analysis with visual charts

Annual Income (gross)

Monthly Expenses

Existing Debt Repayments (mo)

Deposit / Equity ($)

Interest Rate (%)

Loan Term (years)

Max Borrowing Power—

Monthly Repayment—

Total Interest Over Term—

If Rates Rise 1%—

If Rates Drop 0.5%—

Extra $500/mo Saves—

LVR—

Stamp Duty Est. (VIC)—

Scenario Comparison

Side-by-side what-if analysis

Run the calculator to see scenarios

First Home Buyer Guide

Key AU grants & schemes

First Home Guarantee5% deposit

First Home Super Saver$50k tax-free

NSW First Home Buyer$10k grant

VIC First Home Buyer$10k grant

Stamp Duty ExemptionUnder $600k

LMI Threshold80% LVR

Lender	Type	Variable Rate	Comparison Rate	Offset	Annual Fee	Action

Rates are indicative and subject to change. This comparison is for informational purposes only and does not constitute financial advice. Always verify rates directly with lenders.

Get pre-qualified.
In 60 seconds.

Talk to Finley. Get pre-approved.

How much can you borrow?
Find your salary below.

You could be paying
$4,200 too much a year.

Get pre-qualified.In 60 seconds.

Talk to Finley. Get pre-approved.

How much can you borrow?Find your salary below.

You could be paying$4,200 too much a year.

Get pre-qualified.
In 60 seconds.

How much can you borrow?
Find your salary below.

You could be paying
$4,200 too much a year.