Australian finance, explained
A smarter route to finance.
Understand your options, explore the numbers and find a finance professional who may be able to help with your situation.
Educational resources • Calculators • Finance enquiries
Example scenario
$650,000 over 30 years
Monthly repayment
$3,939
Total interest
$768,028
Start here
What are you looking to finance?
Choose a starting point and we'll take you to the guides, calculators and tools that fit.
Buy a home
Borrowing, deposits and the purchase process
ExploreRefinance
Rates, features, costs and timing
ExploreFirst home
Deposit, schemes and pre-approval
ExploreInvestment property
Structure, LVR and cash flow
ExploreBusiness finance
Coming as Capital Route expands
ExploreVehicle & asset finance
Coming as Capital Route expands
ExploreHow it works
How Capital Route works
01
Understand
Explore guides, calculators and finance information written in plain English.
02
Compare
Understand the options that may be relevant to your situation.
03
Connect
If you want help, submit your details and we can connect you with a suitable finance professional.
Why we exist
Finance shouldn't be complicated.
Capital Route exists to make the process of researching finance easier to understand. We provide practical guides, calculators and tools to help you make sense of your options before deciding what to do next.
Clear Information
Useful Tools
Human Help
Tools
Start with the numbers.
Every calculator is built to be reused across the site, with assumptions stated up front.
Mortgage Repayment Calculator
Estimate repayments, total interest and how the balance falls over time.
Open calculatorBorrowing Power Calculator
See an indicative borrowing range based on income, expenses and debts.
Open calculatorDeposit Calculator
Work out the deposit and total upfront funds a purchase may require.
Open calculatorStamp Duty Calculator
Estimate transfer duty and government costs in your state or territory.
Open calculatorRefinance Calculator
Compare a current loan against an alternative scenario, including costs.
Open calculatorLoan-to-Value Ratio Calculator
Check your LVR and whether lenders mortgage insurance may apply.
Open calculatorGuides
Finance explained.
Plain-English explanations of the questions that come up most often.
How much can I borrow for a home?
Borrowing capacity is shaped by income, expenses, existing debts and lender policy. Here is how the pieces fit together.
How much deposit do I need?
Deposit size affects your loan-to-value ratio, whether lenders mortgage insurance applies, and the total upfront cash you need.
Fixed vs variable home loans
Fixed and variable rates manage different risks. The right structure depends on how much certainty you want and what features you use.
When does refinancing make sense?
Refinancing is a means to an end. It is worth looking at the whole picture rather than the headline rate alone.
What is an offset account?
An offset account reduces the balance your interest is calculated on. Here is the mechanics, plus what to watch for.
What does loan-to-value ratio mean?
LVR compares your loan to the property value. It influences pricing, insurance and which products are available.
How Capital Route makes money
We think you should know how a finance website earns revenue before you use it. Our commercial arrangements are set out in plain English.
Find your route forward.
Whether you're buying your first home, refinancing or exploring investment finance, start by understanding your options.