Calculators & tools.
Get an instant estimate before you speak to a broker. Every number here is a rough guide, your real position depends on structure, lender policy and life plans a spreadsheet can't see. That's what we're for.
How much can I borrow?
Roughly estimates your maximum loan based on income, expenses and existing debt. Real serviceability varies significantly by lender.
- ✓ Uses simplified AU tax + Medicare
- ✓ 8.5% serviceability assessment rate
- ✓ HEM-style dependent adjustment
How much stamp duty will I pay?
Approximate transfer duty for residential purchases across each Australian state. First home buyer concessions and thresholds vary, we'll confirm eligibility on the call.
- ✓ Owner-occupier vs investor rates
- ✓ First home buyer concession preview
- ✓ State-by-state calculation
What if I pay a bit extra each month?
See how making additional monthly repayments shortens your loan term and cuts interest paid over the life of the loan.
- ✓ Compound impact on total interest
- ✓ New payoff timeline
- ✓ Interest saved over baseline
What will my repayments be?
Instantly estimate your monthly, fortnightly and weekly principal & interest repayments for a given loan.
- ✓ Monthly / fortnightly / weekly view
- ✓ Total repaid over the loan life
- ✓ Total interest paid
Important information about these calculators
The results from these calculators should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you get in touch with us before taking out a loan so that we can provide you with advice that is tailored to your situation.
Where a repayment amount is shown, actual repayments will depend on the interest rate applied to your loan (expressed as a per annum rate, p.a.) and any fees, charges or features of that particular loan. The comparison rate warning below applies to any comparison rate shown or discussed.
WARNING: The comparison rate is based on a loan of $150,000 over a term of 25 years. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Every calculator here is an estimate.
We can give you a real one.
Book a 30-minute strategy call. We'll model your actual borrowing capacity across our lender panel and tell you exactly where you stand.