Calculators
Get a feel for the numbers before we talk
Estimates only. Your actual repayments and borrowing capacity depend on the lender, fees and your circumstances.
Loan repayments
Adjust the loan amount, rate and term to see what a loan would cost each month, fortnight or week.
Assumptions
- Interest is compounded at the repayment frequency; lenders generally accrue daily and debit monthly, so a lender schedule may differ slightly.
- The rate is assumed constant for the whole term.
- Fees, charges, offset accounts and redraw are not included.
- Principal and interest: the loan is fully repaid over the term.
This calculator gives estimates only. It is not a quote, an offer of credit, or credit advice, and it does not take your personal circumstances into account. Actual figures depend on a lender’s assessment of your application.
Borrowing power
An indicative range based on your income and expenses.
Indicative borrowing range
$521,192 – $613,167
Assumptions
- Assessed at your rate plus a 3.00 percentage point serviceability buffer (9.15% here), which is the minimum buffer APRA requires lenders to apply.
- A minimum living-expense benchmark is applied if your declared expenses are lower.
- The result is a range, not a pre-approval or a promise to lend.
- Every lender assesses differently — income shading, credit-card limits, HEM benchmarks, LMI and deposit size all change the answer materially.
- Deposit, LMI, stamp duty and other purchase costs are not modelled.
This calculator gives estimates only. It is not a quote, an offer of credit, or credit advice, and it does not take your personal circumstances into account. Actual figures depend on a lender’s assessment of your application.
Extra repayments
See how much time and interest a little extra each month can save.
Assumptions
- The extra amount is paid every repayment, starting immediately, for the life of the loan.
- The interest rate is assumed constant.
- Fixed-rate loans often cap extra repayments — check your loan contract.
- Fees and charges are not included.
This calculator gives estimates only. It is not a quote, an offer of credit, or credit advice, and it does not take your personal circumstances into account. Actual figures depend on a lender’s assessment of your application.
Stamp duty
Transfer duty by state, including first home buyer concessions.
No first-home concession applies to these inputs.
Assumptions
- Transfer duty only — mortgage registration, transfer and search fees are not included.
- First-home concessions depend on eligibility criteria this calculator does not check, including residency requirements and whether you have owned property before.
- Foreign-purchaser surcharges and investor differences are not applied.
- Rates change; figures reflect the schedule stored at the time of your visit.
This calculator gives estimates only. It is not a quote, an offer of credit, or credit advice, and it does not take your personal circumstances into account. Actual figures depend on a lender’s assessment of your application.