Finance Calculators

Find the right home loan for you, understand what you can afford to borrow, and explore every facet of home ownership or property investment.

Calculate your repayments

Use our mortgage calculator to help you work out your monthly, fortnightly, or weekly repayments. Simply enter your loan amount and interest rate below, and we will calculate your repayments.

Repayment calculation is based on a loan period of 30 years

Compare home loans

1.99%Interest rate 2.47%Comparison rate
1.89%Interest rate 1.89%Comparison rate
1.99%Interest rate 1.99%Comparison rate
2.39%Interest rate 2.39%Comparison rate
More home loans

Split loan calculator

This will help you decide whether to opt for a fixed rate home loan, a variable rate home loan, or a mix of both.

Extra & lump sum payment calculator

Our extra and lump sum payment calculator helps you see how much you could save by making extra repayments, or by making a one-off lump sum payment.

Negative gearing calculator

Negative gearing is borrowing money to purchase a property that generates less income than you are repaying on the loan. In Australia, this can be to your benefit.

Rent or buy comparison

This calculator shows you how your finances will look seven years after buying a home or continuing to rent, allowing you to make an informed decision between the two.

Upfront & ongoing cost calculator

This calculator shows you the upfront and weekly costs associated with buying a home. It will also give you an idea of how much money you should expect to spend on fees like stamp duty.

Income and expenditure worksheet

Calculate the amount of money you can invest each month by subtracting your monthly costs from your income, and adjust your spending to meet your property goals.

Can I afford an investment property?

This tool combines the operating revenue and expense alongside the investor's income tax to give you an estimate of how much an investment property will cost you.

Where can I afford to buy?

Curious about which suburbs and states you can afford to live in? This mortgage calculator will examine how much you can afford to repay per month and give you a list of locations.

Buy then sell or sell then buy

This calculator provides an indication of the costs you will face depending on the order in which you sell your old home and buy your new one.

Term deposit yield calculator

This calculator will help you to compare yields on term deposits with different interest rates, terms and frequencies at which interest is paid.

Free home loan calculators

Finding a home loan can be one of the most stressful parts of the home buying journey. We make the task easier with our wide range of calculators that can help you estimate your stamp duty costs, lenders mortgage insurance, how much you’re able to borrow, what your repayments could be, and more.

Please note these calculators provide an estimate only and are not a guarantee of a successful home loan application.

How to use our home loan calculators

Our home loan calculators are simple to use. You need to have an idea of your loan amount, the interest rate, repayment type, loan term, repayment frequency, and other information as required.

If you’re not sure what your loan amount is because you’re a first time buyer or have only just started thinking about taking out a home loan, that’s okay. Have a think about what your budget is and enter rough numbers into the calculator that matches your budget.

Other calculators, like the stamp duty calculator, may require you to enter your location, while our income tax calculator will require you to include your income and current expenses.

How can mortgage brokers help?

Our Mortgage Calculators are designed to give you rough estimates of the information you are looking for, be it how much you can borrow or how long will your home loan period be.

While our calculators do not give you all the answers to your queries, it aims to help you assess your financial capacity and borrowing power before even applying for a home loan.

It is still a good idea for you to consult a financial expert to assess your situation thoroughly.

Mortgage brokers will be able to give you a deeper understanding of the results that you will be seeing from our Mortgage Calculators. They can provide you with advice and tips to make sure you grasp how home loans work.

Mortgage brokers can also assist you in getting the best home loan deals in town that perfectly fit your needs and capacities. Talk to a mortgage broker today and discover what you can afford!

Frequently asked questions

How accurate are these calculators?

Our calculators can only provide an indication based on the figures you’ve provided. The more information you provide, the more accurate the figures will be.

Is the calculator a guarantee the lender will approve this amount?

The calculator is not a guarantee and can provide an estimate only. The lender has the final decision.