Calculators
Run the numbers before anyone else does.
Indicative estimates only - every lender assesses differently. Use these as a starting point, then let's check them properly.
Borrowing capacity
See an indicative borrowing range based on income, dependants and existing commitments.
Open calculator →Loan repayments
Monthly repayments, total interest and total cost - principal & interest or interest only.
Open calculator →Stamp duty
Transfer duty by state, property type and buyer type, including first home buyer concessions.
Open calculator →LVR & LMI
Loan to value ratio to 2 decimal places, plus banded lenders mortgage insurance including capitalisation.
Open calculator →Refinance calculator
Compare your current loan against a new rate - monthly saving, break-even period and lifetime interest.
Open calculator →Complex income qualifier
Five quick questions for PAYG, self-employed, RSU and contractor income - and which lender tier fits.
Open calculator →What these mortgage calculators can tell you.
Start with borrowing capacity to estimate the loan size your income and commitments may support. Then use the repayment calculator to test that amount at different interest rates and terms, and the stamp duty and LVR calculators to work out the deposit and purchase costs around it.
If you already have a home loan, the refinance calculator compares monthly repayments, switching-cost break-even and estimated lifetime interest. Self-employed people, contractors and employees with bonuses or RSUs can use the complex income qualifier to see why lender choice changes the income accepted.
Why a lender's result may be different.
Australian lenders do not use one universal formula. Each applies its own assessment rate, living-expense benchmark, income shading, credit-card treatment and policy limits. Property valuations, first home buyer concessions and mortgage insurance premiums can also differ from an online estimate.
Use the results to compare scenarios rather than as an approval. A broker can then test the same figures against current lender policy, verify the supporting documents and explain which trade-offs matter before a formal application is submitted.
A practical order for planning a home loan.
01 · Capacity
Set a realistic range
Estimate borrowing capacity, then compare it with the repayment your household budget can comfortably carry.
02 · Upfront costs
Check the cash required
Add stamp duty and other purchase costs, then calculate LVR and whether LMI may reduce the deposit needed.
03 · Lender fit
Match policy to your file
Test complex income or a refinance scenario, then verify the result against lenders that suit your evidence and goals.
These calculators provide estimates only, based on simplified assumptions. They are not an offer of credit or a guarantee of borrowing capacity. Speak with us for a proper assessment.
Want these numbers verified?
A free, no-obligation 30-minute call is usually enough to know exactly where you stand and what to do next.