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Connect with 200+ private lenders, brokers and non-bank finance providers. Post one free loan request for home loans, property development, commercial loans, business finance and more.
One loan request reaches our whole network of private lenders and brokers – no applying to lender after lender.
Post your loan request in one short form. ADS checks it, then it goes live to our network of finance providers. No upfront fees, no hidden costs.
Securely store your financial information. Your contact details and documents go only to the Finance Provider who takes on your request.
Finance Providers see your request without your name or contact details, and those who fund your type of loan ask you about it.
31 calculators across four areas — residential lending, the commercial side most calculators ignore, the decisions around a mortgage, and income tax and take-home pay on current ATO rates.
Serviceability on the asset rather than the borrower - development, construction, bridging, equipment and business cash flow.
Commercial lenders do not assess a property loan on your personal income. They test whether the asset covers its own debt, using the Interest Cover Ratio and the Debt Service Cover Ratio. This calculator produces both and shows the maximum loan each supports.
Build a residual feasibility for a small development: land, construction, professional fees, finance and contingency into Total Development Cost, then profit measured both on cost and on gross realisation. Includes GST under the margin scheme.
Model a construction loan drawdown stage by stage. Interest is charged only on funds drawn, so the cost builds through the project - this shows the schedule, the interest at each stage and the total capitalised interest by practical completion.
Bridging finance covers the gap between buying and selling. The number that matters is peak debt - the total owed at the worst moment - and whether the sale clears it. This calculator models peak debt, capitalised interest and the end debt you are left with.
Commercial lenders apply different maximum LVRs by asset type, and often take multiple properties as security. This calculator works out the blended lending value across your security pool and whether it covers the loan you need.
Compare a chattel mortgage, a finance lease and an operating lease on the same asset. The repayments are often similar - what differs is who owns the asset, when you claim GST, and whether you depreciate the asset or deduct the payment.
Work out your cash conversion cycle and the funding gap it creates. If you pay suppliers before your customers pay you, growth consumes cash - and the faster you grow, the bigger the hole.
Invoice finance advances a percentage of your unpaid invoices now, and pays the balance when the customer settles. This calculator shows the cash released, the total fee and - most importantly - the effective annual rate, which is usually far higher than the headline discount rate suggests.
An SMSF loan through a Limited Recourse Borrowing Arrangement (LRBA) lets a self-managed super fund borrow to buy property. The fund must service the loan using rental income and super contributions alone. This calculator helps assess whether the fund's cash flow is sufficient and how much liquidity buffer remains.
Repayments, borrowing power, deposit and purchase costs, and the decisions that follow settlement.
Work out the repayment on an Australian home loan and see exactly how it splits between interest and principal, month by month. Add extra repayments to see how much time and interest they remove.
Estimate how much an Australian lender would lend you. Lenders assess your repayment capacity at your actual rate plus APRA's serviceability buffer, currently 3.0 percentage points, which is why your assessed capacity is lower than the rate you will actually pay suggests.
Estimate transfer duty on a residential property purchase in any Australian state or territory, plus the other upfront costs that sit on top of your deposit.
Work out your loan-to-value ratio and estimate the Lenders Mortgage Insurance premium payable above 80% LVR, including what it costs once capitalised onto the loan.
See what money in an offset account and extra repayments actually save you. Both reduce interest, but they work differently - an offset keeps the money accessible while extra repayments reduce the debt itself.
Work out whether refinancing pays once switching costs are counted, and how many months it takes to break even. Also shows what resetting to a fresh 30-year term really costs.
Compare fixing all, part or none of your loan. A split lets you lock in certainty on part of the debt while keeping offset and extra-repayment flexibility on the rest. Test what happens if rates rise or fall.
The decisions around a home loan - interest-only expiry, rate shocks, saving a deposit, comparing offers on true cost, and whether to buy at all.
See what an interest-only period really costs, and how far repayments jump the day it ends. The trap is not the lower payment - it is that the loan still has to be repaid over a shorter remaining term, so the step up at expiry is much larger than most borrowers expect.
Test a mortgage against higher rates before a lender does. Australian lenders must assess you at your actual rate plus a serviceability buffer, so the repayment that decides your application is well above the one you would actually pay.
Work out how long it takes to save a deposit when the target is moving. Most deposit calculators assume prices stand still; this one grows the purchase price while you save, which is the difference between a plan that works and one that never quite gets there.
Compare up to three loans on total cost rather than headline rate. Upfront and annual fees routinely reverse the ranking over a realistic holding period, which is exactly what a rate-only comparison hides.
Work out what an investment property actually costs to hold each week after tax. It separates the cash position from the taxable position - depreciation is deductible without being a cash cost, which is why the two differ - and shows the capital growth needed just to break even.
Should spare cash go into the mortgage or the market? Paying down a loan is a guaranteed, tax-free return equal to your interest rate, which is a higher bar than it first appears - an investment has to beat it after tax and after risk.
Compare buying against renting and investing the difference, measured on net wealth at the end of the period rather than monthly cost. Buying almost always costs more month to month early on - the real question is whether equity and capital growth more than make that back over your actual holding period.
Take-home pay, income tax, HECS-HELP, superannuation and salary sacrifice, using current ATO rates and thresholds.
Work out what actually lands in your account. This applies the current ATO tax scale, Medicare levy and surcharge, HELP repayments, tax offsets and the super guarantee, then shows the result across every pay cycle. Change the financial year to see how the tax cuts affect you.
Estimate your income tax, Medicare levy and refund position for the year, and see exactly which bracket each dollar falls into. Australia taxes income in slices - moving into a higher bracket only ever taxes the dollars above that threshold, never your whole income.
Work out your compulsory HELP repayment and how long the debt takes to clear. Since 2025-26 repayments are marginal - calculated only on income above the threshold - which is far gentler than the old system where crossing a threshold applied a rate to your whole income.
See your total concessional contributions against the cap, what contributions tax and Division 293 take out, and where the balance lands over time. The cap counts employer super, salary sacrifice and personal deductible contributions together - it is easy to breach it without noticing.
Compare what salary sacrificing costs your take-home pay against what actually lands in super. The gap is your marginal rate less the 15% contributions tax - but HELP repayments and Division 293 can close it, so it is worth checking rather than assuming.
Convert an hourly rate into an annual salary and take-home pay, including overtime. Worth knowing before you compare an hourly role with a salaried one: super is compulsory on ordinary hours only, so overtime lifts your pay but not your super.
Work out what a bonus is really worth after tax, and whether sacrificing it into super leaves you better off. The tax withheld from a bonus payslip is usually more than the true cost, because withholding annualises the pay period - the difference comes back at tax time.
Compare an ABN contract rate against a permanent salary on equal terms. A day rate has to cover the super, annual leave, sick leave and downtime an employer would otherwise fund, so the headline number needs to be well above the salaried equivalent before you are actually ahead.
Our simple 3-step process puts your request in front of the right lenders – one request instead of applying to lender after lender.
Complete our simple form with your loan requirements. It's completely free and secure.
ADS checks your request, then it goes live to our network of 200+ finance providers. Those who fund your type of loan can ask you up to 3 quick questions – you answer with a tap.
When a Finance Provider retains your request, they get your contact details and you can message them. You are never obliged to go ahead.
Get access to 200+ finance providers, including non-bank lenders and specialist brokers. Providers who fund your type of loan can ask you a few quick questions, and one can take your request on and contact you.
Reach borrowers actively seeking finance. ADS checks every loan request before it goes live, enquiring about a lead is free, and a lead you retain is yours alone.
From property development to business expansion, our network covers all major commercial and investment lending categories.
Read more about low doc business loans and bad credit business loans.
Read more about truck finance for owner-drivers and fleets.
Truck finance funds prime movers, rigids, trailers and specialised transport equipment for owner-drivers and fleet operators. Our lenders fund new and used trucks, private sales and auction purchases, with terms structured around how transport businesses actually earn.
Buying your first truck without years of financials is the hardest step. Non-bank lenders in the network consider ABN holders with limited trading history where the contract or work history supports the repayment.
Banks frequently restrict older vehicles and refuse private-sale purchases outright. Private and specialist asset lenders will fund both, assessing the asset rather than only the borrower.
A chattel mortgage lets you claim the GST credit on the purchase in your next BAS and depreciate the asset, while a lease spreads the GST across the payments. Which is cheaper depends on your cash flow and tax position.
Existing fleets can refinance to release equity, consolidate multiple contracts onto one facility, or fund an expansion against the assets already owned.
Business finance through the network covers straightforward working capital through to complex secured facilities - including the situations banks decline: short trading history, impaired credit, or income that cannot be evidenced with two years of lodged returns.
Verify income with BAS statements, business bank statements or an accountant's declaration instead of full financials. Suited to businesses that are trading well but have not yet lodged returns.
Defaults, judgments or a previous arrangement do not automatically rule you out with a private lender. Security and cash flow carry more weight than the credit file, though the rate reflects the risk.
A revolving facility you draw on as needed and repay as customers pay you - the usual answer to a cash conversion cycle where you pay suppliers before you get paid.
Unsecured facilities settle fastest and suit smaller amounts. Secured lending against property or business assets funds larger amounts at materially lower rates.
The questions borrowers ask most often before posting a loan request.
A private lender is a non-bank lender that funds loans from its own capital or from investor funds rather than from retail deposits. Private lenders in Australia are generally faster than banks and set their own credit policy, which is why they can consider borrowers and security types a bank will not - short settlement timeframes, self-employed income, or a property still under development.
Lenders assess your income, less living expenses and existing commitments, at an interest rate 3 percentage points above the actual rate - the APRA serviceability buffer. Our borrowing power calculator runs that same test, including credit card limits and HECS-HELP, so you can see the figure a lender would arrive at before you apply.
Yes. A low doc home loan lets a self-employed borrower verify income with an accountant's declaration, BAS statements or business bank statements instead of two years of tax returns. Rates are usually higher than a full-doc loan and the maximum LVR is lower, but for a borrower with strong trading history and no recent returns lodged it is often the practical route.
Many will. Private and non-bank lenders weigh the security and the cash flow more heavily than the credit file, so defaults, judgments or a short trading history are not automatic declines the way they are with a bank. Expect a higher rate and, in most cases, property or asset security.
Private lenders commonly settle in days rather than weeks, and short-term or bridging facilities can be faster still. The timeline is usually driven by valuation and legal work rather than credit assessment, which is where bank timeframes blow out.
Posting your loan request is free for borrowers – Finance Providers pay ADS, never you. ADS checks your request, then lenders and brokers in our network of 200+ finance providers can ask you about it, and one can take it on and contact you. You are never obliged to go ahead.
Home loans including low doc and self-employed, commercial property, business loans and lines of credit, construction and development finance, truck and equipment finance, asset finance, SMSF loans and trade finance. If a lender in the network funds it, you can post the loan request.
Still deciding what you can afford? Work out how much you can borrow or browse all loan calculators.
Plain-English guides on private lending, business finance and the property market.
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