What is WeRavailable?

Your all-in-one tool for exploring home loan options, calculating repayments and stamp duty, and connecting with WRA's expert brokers.

Frequently Asked Questions

Get instant answers to the most common questions about home loans, government schemes, and our services.

Getting Started

Your borrowing capacity depends on several factors including your income, expenses, dependents, and current debts. Generally, lenders will lend 4-6 times your annual income, but this varies. Use our Serviceability Calculator for a personalized estimate, or contact us for a detailed assessment.

Government Schemes

Loan Features & Rates

Self-Employed & Complex Lending

Investment Properties

Specialist Lending

Our Services

Still Have Questions?

Can't find the answer you're looking for? Our expert team is here to help with personalized advice.

Frequently Asked Questions

Getting Started

How much can I borrow for a home loan?

What deposit do I need to buy a house in 2026?

How long does the home loan process take?

What is the difference between a mortgage broker and going direct to a bank?

Can I apply for a home loan online?

Government Schemes

What is the First Home Guarantee scheme in 2026?

Can I use the Family Home Guarantee if I'm divorced?

What's the difference between First Home Guarantee and New Home Guarantee?

What first home buyer grants are available in Australia in 2026?

Loan Features & Rates

What's the difference between fixed and variable interest rates?

Should I get a loan with an offset account?

What fees should I expect with a home loan?

What is the current RBA cash rate in 2026 and how does it affect my loan?

What is a comparison rate and why does it matter?

Self-Employed & Complex Lending

Can I get a home loan if I'm self-employed?

What is a low-doc loan and who qualifies?

Can I get a loan with bad credit history?

What income types do lenders accept?

Investment Properties

Can I use an investment property loan for my first property purchase?

What deposit do I need for an investment property?

Can I negatively gear an investment property?

Can I buy property through my SMSF?

What is equity release and how can I use it to invest?

Specialist Lending

What is a bridging loan and when do I need one?

Do you offer Islamic home finance (Sharia-compliant)?

Can I get a loan for incomplete construction or owner-builder?

What is a caveat loan or second mortgage?

Our Services

Do I have to pay WRA for your services?

How do you choose which lender to recommend?

Can you help if I've been declined by a bank?

How quickly can you get me pre-approved?

Do you help with business and commercial loans?

Still Have Questions?