Buying your first home can be an exciting and often daunting experience.
If you’ve saved less than 25% and your falling into Lenders Mortgage Insurance, one of our lenders St George Bank are now offering a $1.00 First Home Buyer Lenders Mortgage Insurance Offer.
This could potentially save you thousands in interest off the term of your loan.
A soft quote is a simple, no-obligation way to explore your loan options without affecting your credit score.
When you request a soft quote, we assess your financial profile and give you an estimated rate, repayment amount, and loan term based on current lender options.
✔️ No credit file impact
✔️ No commitment required
✔️ Instant comparisons across multiple lenders
It’s ideal if you’re still shopping around or just want to understand what your repayments might look like.
A full application is the next step once you’re ready to proceed.
This involves submitting your information to the lender for a formal assessment. The lender then completes a credit check, verifies your documents, and provides a confirmed interest rate and loan offer.
✔️ Required for formal approval
✔️ Involves a credit check
✔️ Can lead to same-day approvals (depending on the lender)
Lenders consider several key factors when determining your personalised rate and terms. These include:
Credit history, employment stability, and income all play a major role in the rate offered. A clean credit file and steady employment can often lead to lower rates.
The type, age, and condition of the asset (car, caravan, horse float, etc.) can influence risk and therefore the rate. Newer or higher-value assets often attract better rates.
Shorter terms generally mean less total interest paid, while longer terms may offer lower weekly repayments but higher total cost.
Every lender has their own structure for establishment, monthly, and exit fees. iCREDIT helps you compare these upfront so there are no surprises.
At iCREDIT, we make finance simple and transparent. Our team compares a wide range of lenders, explaining your options clearly and helping you choose the best fit — without pressure or hidden costs.
Compare rates and lenders side-by-side
Understand your total loan cost upfront
Avoid unnecessary credit checks until you’re ready
Take the first step with a soft quote and see what’s possible — all without impacting your credit score.
👉 Start your soft quote today
