Home Loan Calculators
Use our home loan calculators to get a clearer idea of what may be possible before you take the next step
Whether you are buying your first home, refinancing or simply trying to understand the numbers better, these tools can help you estimate borrowing power, repayments and upfront costs.
They are designed to give you a useful starting point, not replace personal advice. If you want help understanding what the figures mean for your situation, we are here to help.
Start With the Question You’re Trying to Answer
Buying, refinancing or investing often starts with one simple question: what do the numbers actually look like?
These calculators can help you get an initial estimate before you speak with a broker or make a bigger financial decision.
Borrowing Power
Get an initial idea of what you may be able to borrow based on your income, expenses and existing commitments.
Loan Repayments
Compare loan amounts, interest rates and terms to see how your repayments may change.
Stamp Duty
Estimate one of the bigger upfront costs that may apply when buying property.
Interest Only
See what interest-only repayments may look like and how that differs from other repayment structures.
Income Tax
Get an indicative view of income tax to help with broader budgeting and planning.
Useful Numbers, But Not the Whole Story
Mortgage calculators are useful for planning, but they can't account for every lender's policies or the full detail of your circumstances.
Borrowing power is a good example. Two lenders can assess the same income, debts and living expenses differently and arrive at different outcomes.
The result should help you frame the conversation, not replace a proper assessment before you make an offer or financial commitment.
Use the Calculators That Match Your Next Move
First Home Buyer
Start with what you may be able to borrow, then look at repayments and upfront costs.
First Home Buyer Help →Buying a Home
Get an initial idea of your potential buying range and what repayments could look like.
Explore Home Loans →Refinancing
Compare different rates, loan amounts or terms to see how repayments may change.
Learn About Refinancing →Property Investor
Look at borrowing capacity, repayments and interest-only scenarios before assessing an investment purchase.
Explore Investment Loans →A calculator gives you an estimate. The important part is understanding what that number means for you.
Now Let's Work Out What They Mean for You
Calculators are a great place to start. The next step is looking at your actual circumstances, what you're trying to achieve and how different lenders may assess your position.
Have a Chat With Martin →That's completely fine. You don't need to have everything figured out before getting in touch. Sometimes the first conversation is simply about understanding where you stand.
