Home Loan Calculators

Every one of these is free, takes a couple of minutes, and doesn’t ask for your details. Not sure where to start? Most buyers begin with the deposit calculator, then check repayments — and if your deposit is under 20%, run the LMI calculator before anything else. It changes the maths more than most people expect.

Getting in: your deposit

Start here — these tell you whether you can buy, and what it costs to get in.

Deposit CalculatorHow much deposit do I actually need for the home I want?You’ll need: A rough property price and what you’ve saved so far.You’ll get: Your deposit target, and the gap between it and your savings.
LMI CalculatorWhat would Lenders Mortgage Insurance cost me with a deposit under 20%?You’ll need: Property price and your deposit.You’ll get: An LMI premium estimate — often the number that changes buyers’ plans.
LVR CalculatorWhat’s my loan-to-value ratio — the number every lender judges first?You’ll need: Property price and loan amount (or deposit).You’ll get: Your LVR, and where it sits against the 80% LMI threshold.
QLD Stamp Duty CalculatorHow much stamp duty will I pay in Queensland — and do I qualify for a concession?You’ll need: Property price, and whether you’re a first home buyer.You’ll get: A stamp duty estimate including first-home concessions.

Your repayments

Once you know you can get in, work out what the loan costs to live with.

Rent or buy?

Two different lenses on the same question: a quick payment comparison, and the deeper long-run analysis.

For your application

The paperwork number your broker will ask about.