How long does an approval take?
Read our guide to typical approval processes for different loans.
Self-employed & don't have 2 years Tax returns?
We are Low Doc specialist, helping self employed borrowers for over 25 years
Property Investment in my Self Managed Super Fund.
SMSF Loans made easy, up to 90% Lvr. Learn more here.
Providing Home loans since 1998
We are an experienced team of mortgage professionals, providing a full suite of financial services. Not only do we offer a range of our own “In house” Home and Commercial loans, we also have a dedicated team of Residential and Commercial brokers who can assist you with:
Prime Home Loans through the Major Banks, Smaller Bank & Non-bank Lenders.
Specialist loans, Including Low doc Home & Commercial loans.
Commercial, Development, Construction, Business and Corporate Finance.
We will work to say YES, and we can cherry-pick the best loan features and options to suit your circumstance. – First Home Buyers Catered for.
You might be surprised by how competitive our rates are..
Direct Credit Loans
Since 1998 Direct Credit has been providing Mortgage Brokerage services, as well as our own Non Bank Home loans to everyday Aussies. We offer a wide range of loans to suit just about everyone’s situation. Deal direct with real people here in Australia.
- UPTO 95% LVR
Established for over 20 years, Direct Credit’s Home Loans are the competitive and secure alternative.
- Easy Process
Home loans that make it easier for the self-employed and sub contractors to buy into property without having to provide two years of tax returns.
- UPTO 75% LVR
Direct Credit are the competitive and secure alternative for Commercial Property Loans, which are available for Owner/ Occupation or Investment.
- UPTO 90% LVR
Self Managed Super Fund Loans for Residential, Commercial & NDIS security properties. Purchase and Fast Refinance options availiable
ATO Tax Debt Refinance availaible for Home & Commercial Loans. We are the competitive and secure alternative.
Specialist Home & Commercial Loans availaible. Short term self employment and Past credit problems catered for.
Enter basic information in our borrowing power calculator to get a quick understanding of how much you could be able to borrow based on your existing circumstances.
Whether your refinancing or buying your first home our Loan Repayment Calculator will help you estimate your potential monthly loan repayments.
Adjust the rates and terms to compare different home loans with our Home Loan Comparison Calculator to find the right loan for your needs and budget.
Use our stamp duty calculator to work out the stamp duty and government fees payable in any state in Australia when you purchase a property or house.
Our Property Buying Cost Calculator helps you calculate the total purchase costs including stamp duty, lenders fees, insurance, inspections and more.
Use our How long to repay calculator to work out how long it will take to pay back your mortgage based on your repayments and interest rates.
Our Extra Repayment Calculator works out how much you could be saving by making extra repayments towards your mortgage.
Use our Budget Planner Calculator to understand your surplus and work out a savings plan based on your income, expenses and loan repayments.
There are often hidden costs when selling your property. Use our Property Selling Cost Calculator to help you calculate the costs of selling your house.
At Direct Credit, our loan repayment calculator is designed to help you understand your home loan (or prospective home loan) from more angles. Often, the most significant focus for would-be homebuyers is getting the home loan. Understanding how loan repayment will affect your long-term finances is a lower priority. Using our calculator helps you consider things more thoroughly.
The Information You Will Need to Use the Loan Repayment Calculator
When you use Direct Credit’s monthly loan repayment calculator, you will need to provide several details about your loan to get usable results. These data points include:
Loan amount: How much money are you seeking from the lender?
Interest rate: What interest rate has the lender offered for your loan?
Loan term: Different home loans come with different repayment terms. Is it ten years? 15? 30? Input that number here.
Loan fee: Would your loan terms come with any additional fees, such as Lender’s Mortgage Insurance? If so, are you paying those fees monthly, fortnightly or weekly?
Repayment frequency: Most buyers set up their home loans for monthly payments, but you might choose to pay weekly or fortnightly. Include that information here.
Being as specific and exact with these details as possible will improve the effectiveness of the calculator. Even you are just doing some research to find out whether buying a home is affordable for you right now; it is still a good idea to speak with a lender to find out about the kind of loan for which you might qualify. Direct Credit would be happy to help on this front.
Other Loan Calculators That Direct Credit Offers
The loan repayment calculator is just one of the financing-related calculators that we offer at Direct Credit. Indeed, to get an even more detailed sense of your loan terms, your repayment timeline and the financial implications of shouldering a home loan, you might also use one of these calculators:
The additional loan repayment calculator: If you have the cash, making extra payments on your mortgage loan can help you build equity faster and rid yourself of monthly payments sooner. Our extra repayment calculator is set up to help you determine how much faster you can pay off your loan if you commit to making additional payments.
The loan comparison calculator: Are you considering multiple loan options from several different lenders? Rather than enter that information separately into our standard monthly loan repayment calculator, use our loan comparison calculator to get quicker and more direct comparisons between two financing options.
The property selling cost calculator: Largely, selling your property is something that is going to net you a substantial chunk of change. However, there are also costs involved in this process, from agent commissions to advertising to fees. Our property selling cost calculator will help you work out these costs before you sell, potentially making it easier to budget for a new property purchase.
About Direct Credit
Direct Credit has been in business since 1999, serving as a non-bank alternative for home and commercial loans. Feel free to use our calculators whenever you please, and reach out to us if you have any specific questions about the loans we offer.
Buying a home, investing in property or refinancing can be a confusing time.
To ensure you have the best chance of getting your loan approved, we’ve compiled a checklist explaining the steps to a successful home purchase.
Direct Credit Loans
Since 1998 Direct Credit has been providing Mortgage Brokerage services, as well as our own Non Bank Home loans to everyday Aussies. We offer a wide range of loans to suit just about everyone’s situation. Deal direct with real people here in Australia.
- UPTO 95% LVR
Established for over 20 years, Direct Credit’s Home Loans are the competitive and secure alternative.
- Easy Process
Home loans that make it easier for the self-employed and sub contractors to buy into property without having to provide two years of tax returns.
- UPTO 75% LVR
Direct Credit are the competitive and secure alternative for Commercial Property Loans, which are available for Owner/ Occupation or Investment.
- UPTO 90% LVR
Self Managed Super Fund Loans for Residential, Commercial & NDIS security properties. Purchase and Fast Refinance options availiable
ATO Tax Debt Refinance availaible for Home & Commercial Loans. We are the competitive and secure alternative.
Specialist Home & Commercial Loans availaible. Short term self employment and Past credit problems catered for.
Enter basic information in our borrowing power calculator to get a quick understanding of how much you could be able to borrow based on your existing circumstances.
Whether your refinancing or buying your first home our Loan Repayment Calculator will help you estimate your potential monthly loan repayments.
Adjust the rates and terms to compare different home loans with our Home Loan Comparison Calculator to find the right loan for your needs and budget.
Use our stamp duty calculator to work out the stamp duty and government fees payable in any state in Australia when you purchase a property or house.
Our Property Buying Cost Calculator helps you calculate the total purchase costs including stamp duty, lenders fees, insurance, inspections and more.
Use our How long to repay calculator to work out how long it will take to pay back your mortgage based on your repayments and interest rates.
Our Extra Repayment Calculator works out how much you could be saving by making extra repayments towards your mortgage.
Use our Budget Planner Calculator to understand your surplus and work out a savings plan based on your income, expenses and loan repayments.
There are often hidden costs when selling your property. Use our Property Selling Cost Calculator to help you calculate the costs of selling your house.
At Direct Credit, our loan repayment calculator is designed to help you understand your home loan (or prospective home loan) from more angles. Often, the most significant focus for would-be homebuyers is getting the home loan. Understanding how loan repayment will affect your long-term finances is a lower priority. Using our calculator helps you consider things more thoroughly.
The Information You Will Need to Use the Loan Repayment Calculator
When you use Direct Credit’s monthly loan repayment calculator, you will need to provide several details about your loan to get usable results. These data points include:
Loan amount: How much money are you seeking from the lender?
Interest rate: What interest rate has the lender offered for your loan?
Loan term: Different home loans come with different repayment terms. Is it ten years? 15? 30? Input that number here.
Loan fee: Would your loan terms come with any additional fees, such as Lender’s Mortgage Insurance? If so, are you paying those fees monthly, fortnightly or weekly?
Repayment frequency: Most buyers set up their home loans for monthly payments, but you might choose to pay weekly or fortnightly. Include that information here.
Being as specific and exact with these details as possible will improve the effectiveness of the calculator. Even you are just doing some research to find out whether buying a home is affordable for you right now; it is still a good idea to speak with a lender to find out about the kind of loan for which you might qualify. Direct Credit would be happy to help on this front.
Other Loan Calculators That Direct Credit Offers
The loan repayment calculator is just one of the financing-related calculators that we offer at Direct Credit. Indeed, to get an even more detailed sense of your loan terms, your repayment timeline and the financial implications of shouldering a home loan, you might also use one of these calculators:
The additional loan repayment calculator: If you have the cash, making extra payments on your mortgage loan can help you build equity faster and rid yourself of monthly payments sooner. Our extra repayment calculator is set up to help you determine how much faster you can pay off your loan if you commit to making additional payments.
The loan comparison calculator: Are you considering multiple loan options from several different lenders? Rather than enter that information separately into our standard monthly loan repayment calculator, use our loan comparison calculator to get quicker and more direct comparisons between two financing options.
The property selling cost calculator: Largely, selling your property is something that is going to net you a substantial chunk of change. However, there are also costs involved in this process, from agent commissions to advertising to fees. Our property selling cost calculator will help you work out these costs before you sell, potentially making it easier to budget for a new property purchase.
About Direct Credit
Direct Credit has been in business since 1999, serving as a non-bank alternative for home and commercial loans. Feel free to use our calculators whenever you please, and reach out to us if you have any specific questions about the loans we offer.
Buying a home, investing in property or refinancing can be a confusing time.
To ensure you have the best chance of getting your loan approved, we’ve compiled a checklist explaining the steps to a successful home purchase.
Why clients keep coming back
We don’t use Credit Scoring
Real people make the decisions so we can say
yes more often.
Choice of Bank or Non Bank
We offer a full Mortgage Brokerage service for Residential, Commercial, Development, Construction and Corporate Lending + Our own competitive Non Bank product suite.
Our service creates value
All Direct Credit customers receive a custom loan service where we cherry-pick the best features and options to suit your unique circumstance.
Our Commitment to you
Our relationship with you continues long after you’ve moved into your new home. We are there for you well in to the future, to assist with future loan increases, loan portability or even vehicle and equipment loans.
Good financing often sits at the epicentre of every major advancement in your life
As one of Australia's leading Non-Bank Lenders, Direct Credit is all about you, your family, your business. As your long-term financing partner, we’ll be there to facilitate your dreams and ambitions.
