Broadband
There's a wide range of Australian broadband plans to choose from which can be a little confusing so we're here to make your broadband choice as easy as possible.
Mobile BroadbandMobile broadband plans have seen a huge surge in growth since 2008 and are now becoming more and more popular.
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Financial CalculatorsSavings Calculator
With the Savings Calculator you are in the position where you can determine your short, medium and long term goals. As certain factor do not vary, it is only an indication of savings and further assistance should be sought.
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Financial Calculators
Comparison Calculator
The Comparison Calculator compares two different loans taking into account the rate, number of years and any monthly fees associated to the loan. (It should be noted that if comparing a loan with yearly fees, simply divide the fee by 12 and use that amount as the monthly amount)
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Financial Calculators
Credit Card Reduction Calculator
The credit card reduction calculator is a great tool which shows you just how long it will take to pay off your current credit card debt based on your regular monthly repayments.
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Financial Calculators
Interest Savings Calculator
The Interest savings calculator is a great tool that will show you how much interest can be saved by making additional monthly payments to your Home Loan. You will be amassed what an additional $100.00 per month will make to the total Interest Paid, but also to how quickly you can pay off your Home Loan.
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Financial Calculators
Lenders Mortgage Insurance Estimator
Our Lenders Mortgage Insurance (LMI) Estimator will provide you with an indication of how much it will cost you to secure a loan above 80% loan to value ratio for regulated and non regulated loans. It will also provide you with your costs when it comes to securing a low Doc or Asset Lend loan.
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Financial Calculators
Maximum Borrowing Capacity Calculator
How much can I borrow?
Loan Navigators has provided you with one of the most accurate Borrowing Capacity Calculator available in the market today. This Calculator has been built in line with Mortgage Insurers. -
Financial Calculators
Repayment Calculator
With our Repayment Calculator you will be able to establish what Monthly, Fortnightly and Weekly repayments are required by Financial Institutions according to the Home Loan amount, Interest chosen and the period of the Home Loan.
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Financial Calculators
Stamp Duty Calculator
The Stamp Duty Calculator is a great tool which determines what Government Costs are associated when purchasing an Owner Occupied or Investment Property. You should also note that the scales differ for First Home Owner, and that there are additional concessions available from each State Government.
Credit Card Applications in 4 Simple Steps
At LowerBills we take the confusion out of Australian credit card applications.
We understand that choosing a credit card involves 4 steps as follows:
1. Consider your own Financial Situation
- Can you afford a credit card?
- Why do you need a credit card?
- Are you in debt? If so are you looking for a credit card to help you clear that debt?
2. Consider your own Spending and Repayment Habits
- Do you need an emergency card?
- Do you need a card for everyday payments or just online shopping?
- Do you make regular repayments and stick to a budget?
3. Research and Compare Australian Credit Cards
- Look at Interest rates, annual fees, interest-free periods, cash advance rates, balance transfer rates, rewards - and consider all aspects of every card - including the fine print. Decide which factors matter most to you.
- Compare credit cards side by side and find the card that best suits your buying and repayment habits. Note the pluses and minuses.
4. Select and Submit Your Credit Card Applications Online
- Make your credit card applications via secure links to the card issuers with LowerBills.
The above process ensures you end up with a credit card that is an asset to your personal finances... not a liability!
Home Loan Applications in 4 Simple Steps
For most Australians a home loan application will be one of the most important financial decisions you make in your life.
It can be a confusing process and it helps to have an effective process for finding the home loan that best suits you.
1. Consider The Market
- Is it the right time to buy?
- Could waiting to see if interest rates fall cost you money?
2. Consider Your Finances
- How much deposit have you saved?
- Have you stuck to a budget and reached your savings targets?
- Will you need to pay Lenders Mortgage Insurance if you buy now?
- How much would you be able to borrow based upon your present finances?
- How is your credit history?
- Have you factored in Government charges for owning a home, as well as the mortgage?
3. Research and Compare Australian Home Loans
- Based upon your borrowing capacity and credit history which are the best home loan deals you can hope for?
- Compare home loans side by side - factoring in all fees and charges as well as interest rates, fixed and variable rate loans, home loan duration and repayment plans.
4. Select and Submit Your Home Loan Applications Online
- Make your home loan application via secure links to the provider with LowerBills.
Search and Compare
LowerBills' user-friendly search and comparison tools sort loads of offers in the click of a button. Whether you need a quick credit card comparison, you're looking for the best Aussie credit card or you want to use the financial calculators to see how much you can borrow, you will find it easy on LowerBills.
Go search and Compare
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Asic Credit License No:401965 Credit Ombudsman Service Limited Membership Number: M0009285
