Mortgage Calculators
Use our free tools to estimate your home loan repayments, borrowing power, and stamp duty.
What is a mortgage calculator and why use one?
A mortgage calculator is an online tool that helps you estimate your loan repayments, understand your borrowing capacity, and prepare for additional costs like stamp duty. These calculators give you real-time insights based on your loan amount, term, interest rate, income, and expenses — helping you plan with clarity. Whether you’re just exploring your options or preparing to apply, a mortgage calculator is an essential first step in the home loan journey.
Our calculators
Whether you’re buying your first home, refinancing, or investing in property, our mortgage calculators are designed to help you plan with clarity. These tools are quick to use, completely free, and tailored for Australian borrowers. Start with the calculator that best suits your goal.
How Much Can I Borrow?
Calculate your borrowing capacity based on your income and expenses.
Repayment Calculator
Estimate your repayments based on loan amount, interest rate, and term.
Comparison Rate Calculator
Compare true loan costs with interest and fees combined
Stamp Duty Calculator
Estimate stamp duty costs based on your property price and location.
Buying Costs Calculator
Get a full breakdown of upfront property purchase costs.
Offset Calculator
See how savngs in an offset accoiunt could reduce your interest.
Extra Repayment Calculator
Discover how extra payments can shorten your loan term.
Savings Goal Calculator
Set a goal and see how long it will take to reach it.
Calculator frequently asked questions
How much can I borrow for a home loan?
Your borrowing capacity depends on factors like your income, living expenses, debts, and credit profile. Our borrowing power calculator makes it easy to estimate how much you could borrow and what type of mortgage might be within reach. Use it to get a clearer picture before speaking with a lender.
How much will my mortgage repayments be?
How much will my mortgage repayments be?
Monthly repayments vary depending on your loan amount, interest rate, and loan term. Try our mortgage repayment calculator to explore different scenarios—see how repayments change between fixed and variable rate home loans and find an option that fits your budget.
What upfront costs should I expect when buying a property?
Buying a home involves more than just the deposit. You’ll need to factor in upfront costs like stamp duty, lender fees, and legal charges. Use our stamp duty calculator to estimate government charges based on your location and property type so you can plan with confidence.
What affects how much I can borrow?
Lenders assess several factors when calculating borrowing capacity, including your income, living expenses, credit score, existing debts, dependents, and the type of property you’re buying. A mortgage calculator is a great way to get a ballpark figure before applying.
How do interest rates affect my loan repayments?
Even a small change in interest rates can significantly impact your repayments. Our home loan calculator lets you test different rates to see how a variable vs fixed loan might affect your monthly budget over time.
What is a comparison rate and why does it matter?
A comparison rate includes the interest rate plus most fees and charges, giving you a more accurate view of the loan’s total cost. It’s useful when comparing lenders. Always look at both the advertised rate and the comparison rate when using any mortgage calculator.
Is there a minimum deposit I need to buy a home?
Generally, you’ll need at least a 5–20% deposit, depending on the lender and your financial profile. Our calculators can help you understand how your deposit affects your borrowing power and whether you might need Lender’s Mortgage Insurance (LMI).
Still not sure which calculator to use?
Not sure where to start? Let’s talk.
Not all loans are the same, and numbers don’t tell the whole story. Speak to one of our Melbourne-based mortgage experts for a personalised assessment and tailored loan recommendations based on your goals.
Your next move starts with a conversation.
