Mortgage calculators for Australian home loans
Fifteen calculators built specifically for the Australian market, covering weekly repayments, borrowing power, stamp duty and the net cost of refinancing. All calculators are free to use and require no registration.
Results are general estimates only. Background to each calculation is provided in the home loans guide, the interest rates guide and the government grants guide. Borrowers seeking an assessment of individual circumstances may request a free assessment.
Home loan repayment calculators
7 calculatorsThese calculators show what a home loan costs over time: regular repayments, total interest, and the effect of additional repayments, an offset account, refinancing or a shorter loan term.
Mortgage Repayment Calculator
AvailableCalculate weekly, fortnightly and monthly home loan repayments, total interest and a full amortisation schedule.
Open calculatorMortgage Calculator
AvailableModel a complete home loan, including rate, term, fees and deposit, and compare scenarios side by side.
Open calculatorRefinance Calculator
AvailableCompare an existing loan with a new rate and calculate the net saving after switching costs.
Open calculatorExtra Repayment Calculator
AvailableCalculate the reduction in loan term and the interest saved by making additional repayments.
Open calculatorOffset Account Calculator
AvailableQuantify how an offset account balance reduces interest and shortens the loan term.
Open calculatorFixed vs Variable Rate Calculator
AvailableCompare fixed and variable rate scenarios to assess which loan structure may be suitable.
Open calculatorMortgage Payoff Calculator
AvailableSet a target payoff date and calculate the repayment required to meet it.
Open calculatorBorrowing power and affordability calculators
3 calculatorsThese calculators estimate how much an Australian lender may be prepared to lend, the property price a given repayment supports, the deposit required and the equity available in an existing home.
Borrowing Power Calculator
AvailableEstimate the amount an Australian lender may be prepared to lend, based on income, expenses and existing commitments.
Open calculatorProperty Affordability Calculator
AvailableDetermine an affordable property price range from a household budget.
Open calculatorHome Equity Calculator
AvailableEstimate usable home equity and the amount that may be accessible for a further purchase.
Open calculatorStamp duty and purchase cost calculators
3 calculatorsThese calculators estimate the upfront costs of a purchase, including state and territory transfer duty for each buyer type and lenders mortgage insurance on smaller deposits.
Lenders Mortgage Insurance (LMI) Calculator
AvailableEstimate lenders mortgage insurance for deposits under 20% across loan-to-value ratio bands.
Open calculatorStamp Duty Calculator
AvailableCalculate transfer duty by state and territory, including first home buyer concessions.
Open calculatorDeposit Calculator
AvailableCalculate the deposit required for a purchase, including the savings target needed to avoid LMI.
Open calculatorInvestment property calculators
2 calculatorsThese calculators assess a rental property as an investment: gross and net rental yield, weekly cash flow before and after tax, and the effect of gearing.