Home / Calculators
Useful for getting a feel for the shape of things. Every result is an estimate – the real answer depends on the lender, and that's the conversation.
What a loan of this size would cost each month.
Estimate only, based on principal and interest repayments at a constant rate. It doesn't account for fees, offset accounts or rate changes, and it isn't an offer of credit.
What paying a little more each month does to the term.
Assumes a 30-year principal and interest loan at a constant rate, with the extra amount paid every month from the start. Fixed loans often restrict extra repayments.
A rough indication only. Lenders assess very differently.
Treat this as a rough guide only. Lenders differ enormously in how they assess income, expenses and existing debts, and two lenders can reach very different numbers for the same borrower. A proper assessment is a short conversation.
Deliberately not calculated here.
Stamp duty is set by each state and territory, with different rates, brackets, first home buyer thresholds and vacant land rules in every jurisdiction – all of which change at state budgets.
A calculator that's wrong is worse than no calculator, so rather than build one that quietly goes stale, the state revenue offices maintain official calculators that are always current. Those are the ones to use.
Then talk to me about what concessions you may be eligible for – see the state-by-state position.
Calculators are useful for understanding the shape of a decision – how much difference an extra $200 a month makes, or how sensitive your repayment is to a rate change. They're much less useful for telling you what you can borrow.
Borrowing capacity in particular varies substantially between lenders, because each applies its own assessment to your income, your expenses and your existing commitments. The same borrower can receive materially different answers from different lenders, which is most of the reason a broker is worth talking to.
