Mortgage Management Options

The average Australian mortgage repayment is around $1500 per month and the average mortgage is $225,000 - higher in NSW and the more expensive real estate states. With rising rentals putting many Australian in a rent trap, more and more people are getting mortgages with little or no deposit and if you can afford it, this is a viable option. On these pages you can work out just how much you would be paying off on a loan at different interest rates and under different conditions.

Work out what your minimum weekly, fortnightly or monthly loan repayments would be for any borrowed amount.

Splitting your home loan into fixed and variable rate portions can provide insurance against future changes in interest rates that we can't predict. Use this tool to calculate your repayments and total interest under different fixed and variable rate scenarios.

Calculate how much you can save in interest and/or shorten your loan term by making additional repayments over and above your current monthly repayment.

Use this calculator to work out how much of your monthly payment is interest and how much is your principal over the term of your loan. This calculator will also show how much interest you pay.

How much time and interest can I save by paying a lump sum off my loan?

Select any two home loans on the market for a direct cost comparison. Determine which is the cheapest in total fees and interest over the life of the loan.

Compare an initial rate with ongoing rate.

the best banks and lenders

For more information on the major banks and lenders who X Inc. are associated with, see the list below or check out which loans and lenders have won awards and are recognised by industry as the best of the best for their outstanding products or service.

Residential Home Loans
Adelaide Bank
Australia First Mortgage
AMP Bank
ANZ Home Loans
BankWest
Bluestone Mortgages
Commonwealth Bank Home Loans
Citibank
Economy Home Loans
FirstMac Home Loans
Future Financial
GE Money
Heritage Building Society
Homeloans Ltd
HomeSide Lending
IMB Home Loans
ING Direct
La Trobe Financial Services
Liberty Financial
NAB Homeside Home Loans
Pepper Home Loans
RAMS Home Loans
St George Bank Home Loans
Suncorp Bank
Westpac Home Loans

Commercial & Business
AllCommercial Finance Australia
Allfinance Funding
ANZ Bank
BankWest
Commonwealth Bank Australia
Challenger Finance
Citibank
GE Money
National Australia Bank
IMB
ING Bank
Macquarie Bank
Provident Cashflow Finance
Seiza
Suncorp
Westpac Bank

Reverse Mortgage Specialists
ABN AMRO
Vision Equity Living

Personal Loans/ Leasing
Motor Vehicle Finance
Capital Finance
GE Money
Liberty Financial
Macquarie Bank
Macquarie Leasing
(a wholly owned subsidiary of
Macquarie Bank)
National Australia Bank
St George Bank
Suncorp
Westpac Bank

Deposit Bonds
Deposit Power (a division of Vero Insurance Limited)

locations

X Inc Finance has mortgage brokers in most majors cities in Australia including Sydney, Melbourne, Brisbane, Perth, Canberra, Wollongong, Newcastle, Gold Coast, Sunshine Coast, Cairns, Brunswick Heads, Bendigo and many others. To talk to your local mortgage broker, click on your state and we will have them contact you within 2 business hours: New South Wales, Victoria, Queensland, Western Australia, South Australia, Australian Capital Territory, Tasmania.