LoanHub 贷款导航 is built around one question — which kind of Australian loan are you actually looking at — and everything on the site is arranged to answer it quickly.
The two axes
Australian lending splits along two independent lines, and most confusion comes from collapsing them into one.
What you are trying to do gives you a lane: first home, refinance, investment, self-employed, commercial, car and personal, or bridging. Each lane has its own assessment, its own evidence and its own regulator.
Where your income comes from modifies all of them: salaried, self-employed, contractor or casual, business owner, new to Australia, or approaching retirement. A first home purchase on payslips and a first home purchase on an ABN are the same lane and a different application.
Keeping them separate means you can be in two places at once, which many people are, without the site pretending you have one label.
The finder
Three questions — purpose, income source, stage — resolve to a lane plus the modifiers. It is a fixed decision table published in the page source and evaluated in your browser, so the same answers always produce the same result and you can read the mapping.
The method pages
Four pages that stay useful after any particular number has changed:
- What to calculate, and in what order — the four numbers that decide most outcomes.
- How to test whether a promotion is real — seven checks for any cashback or rate special.
- What changes, who changes it, and how often — the six moving parts and who publishes each.
- Refinancing: the seven checks — the switching decision in full.
The reading room
Site notes like this one cover how the material is put together, alongside an archived Chinese-language reference library kept online for the people who arrive on it from search.
Reviewed 17 August 2026.