Home Loan Calculators
Twelve free tools, no sign-up. Work out your borrowing power, deposit, repayments, LMI and stamp duty before you talk to anyone.
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.
- Borrowing Power CalculatorHow much can I actually borrow — and what home does that buy?You’ll need: Your income, expenses and any existing debts.You’ll get: A borrowing-power estimate, the number that sets your price range.
- 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.
- NSW Stamp Duty CalculatorHow much stamp duty will I pay in New South Wales — and what exemptions apply?You’ll need: Property price, and whether you’re a first home buyer.You’ll get: A stamp duty estimate with NSW first-home exemptions and concessions.
Your repayments
Once you know you can get in, work out what the loan costs to live with.
- Mortgage Repayment CalculatorWhat would the repayments be on a given loan?You’ll need: Loan amount, interest rate and loan term.You’ll get: Weekly, fortnightly or monthly repayment figures.
- Extra Repayment CalculatorWhat do extra repayments actually save me?You’ll need: Your loan details plus the extra amount you could pay.You’ll get: Interest saved and years cut off the loan.
Rent or buy?
Two different lenses on the same question: a quick payment comparison, and the deeper long-run analysis.
- Mortgage vs Rent CalculatorCould my current rent cover a mortgage payment instead?You’ll need: Your weekly rent.You’ll get: The loan size your rent money could service — a quick reality check.
- Rent vs Buy CalculatorAm I better off renting or buying over the long run?You’ll need: Rent, property price and a few assumptions about your situation.You’ll get: The fuller cost comparison of owning versus renting over time.
For your application
The paperwork number your broker will ask about.
- YTD Income CalculatorWhat’s my annual income based on a payslip part-way through the year?You’ll need: The year-to-date gross figure and dates from your latest payslip.You’ll get: Your annualised income, the way a lender will calculate it.
- Equity CalculatorHow much usable equity is sitting in my current home?You’ll need: Your property’s value and remaining loan balance.You’ll get: Total and usable equity — your deposit for the next purchase.