About

Home Loan Sums is an independent information site for people in Australia who want to understand home loan interest rates, repayments and refinancing before they talk to a lender or broker. Every guide works through the arithmetic in full, so you can repeat it with your own numbers.

We cover how rates are set and quoted, comparison rates, fixed, variable and split loans, deposits and lenders mortgage insurance, fees, borrowing power, first home buyer schemes, offset accounts, extra repayments, refinancing costs and steps, hardship and complaints. The site has calculators for repayments and refinance break-even and a checklist for applications.

We do not cover property purchase costs such as stamp duty and agent fees in depth, personal loans or debt agreements, and we do not rank lenders or publish live rates. Every rate and fee in our examples is illustrative. Rules are described as they stand in October 2026 and linked to the official sources, including ASIC, APRA, the Reserve Bank of Australia and AFCA.

The content is general information, not financial, credit or tax advice. It does not consider your objectives, financial situation or needs. Before you act, check the lender's key facts sheet and contract and consider speaking with a licensed credit provider, mortgage broker or financial counsellor.

How this site is made

Home Loan Sums is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.