Calculators
Calculators for saving your deposit, what you can borrow, what buying costs upfront, and what a loan actually costs over its life. All estimates — useful for exploring, not for deciding.
Before you buy
- Borrowing powerAn indicative range for what you could borrow, assessed the way lenders assess it.
- Stamp dutyLand transfer duty in any state or territory, including Victorian first home buyer relief.
- LMI estimateAn indicative range for lenders mortgage insurance, and what deposit would avoid it.
- LMI waiver checkWhich occupation and employer waivers are worth checking for you — and which conditions would rule them out.
- Buying costsThe cash you actually need to complete — deposit, duty, conveyancing, inspections and fees.
- Construction loanLand and build: what you repay at each stage, the rent alongside it, and the month it all peaks.
Saving and budgeting
Your loan
- RepaymentsWhat a loan costs per week, fortnight or month, and the total interest over its life.
- Compare two loansTwo loans on total cost — rate, fees and honeymoon periods — and when the cheaper one pulls ahead.
- Split loanPart fixed, part variable: the repayments, and how much is protected if variable rates rise.
- Refinance savingsWhether switching is worth it once the discharge, government and break costs are counted.
Paying it off
What these can and can’t tell you
They can tell you roughly what a loan costs, what duty you’ll pay, and whether a refinance clears its own costs. That’s genuinely useful for working out whether something is worth pursuing.
What they can’t tell you is what a lender will actually do. Two lenders looking at the same income can differ by well over a hundred thousand dollars in what they’ll lend, because they treat overtime, bonuses, shift allowances, rental income and self-employed income differently. No calculator models that, including these ones.
So use them to explore. Then have a conversation before you make a decision that depends on the number.
Have a question about your situation?
A first conversation costs nothing and commits you to nothing. Even if the answer is "wait six months", you will know why — and what to do in the meantime.