Calculators
Run the numbers
Repayments, borrowing power, upfront costs and expenses. Save a calculation to keep it in your portal.
% p.a.
years
Your repayment
$0
/moTotal interest
$0
IO period repayment
$0
Then P&I repayment
$0
Loan Comparison
Current loan
$0/mo
Total interest
$0
% p.a.
Lower rate savings
New repayment
$0/mo
Monthly saving
$0
Keep repayment, pay off faster
Keep paying your current amount at the new rate
Paid off in
0 yrs
Time saved
0 yrs
Extra Repayments
At your current rate
Interest saved
$0
Time saved
0 yrs
Paid off in
0 yrs
Lower rate + extra repayments
Interest saved
$0
Time saved
0 yrs
Paid off in
0 yrs
Total cost (repaid)
$0
Together they save a little less than the two added up, because extra repayments save less interest once the rate is lower. The figures above use the new, lower repayment plus your extras.
Estimate only. Does not include fees, insurance, or other charges.
No LMI required up to 95% LVR under the First Home Guarantee scheme.
Total funds required
$0
Complete the Borrow tab to validate this loan amount is within your borrowing capacity.
Borrowing capacity insufficient. The loan of exceeds your estimated capacity of . Review the Borrow tab to check your inputs.
LMI applies. Deposit below 20%. A larger deposit could save you thousands.
LMI may be avoided through: lender profession waivers (medical, legal, accounting), family guarantee, equity from an existing property, or paying the LMI premium monthly instead of upfront.
Cash you have for deposit + costs
No LMI required up to 95% LVR under the First Home Guarantee scheme.
Maximum purchase price
$0
Complete the Borrow tab to validate this loan amount is within your borrowing capacity.
Borrowing capacity insufficient. The loan of exceeds your estimated capacity of . Review the Borrow tab to check your inputs.
LMI applies. Your funds result in an LVR above 80%.
LMI may be avoided through: lender profession waivers (medical, legal, accounting), family guarantee, equity from an existing property, or paying the LMI premium monthly instead of upfront.
Stamp duty estimates based on standard rates. First home buyer concessions vary by state.
gross p.a.
gross p.a. (optional)
p.a.
p.a.
p.a.
p.a.
p.a.
p.a. (gross)
p.a.
p.a.
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Outstanding balance
All living costs per month (rent, food, utilities, transport, etc.)
Basic living expenses
All amounts are monthly
Additional expenses
All amounts are monthly
Combined monthly repayments on all existing debts
Credit cards assessed at 3.8% of the limit regardless of balance.
Estimated borrowing capacity
$0
Based on 6.25% assessment rate, 30 years
Guide only. Actual capacity depends on your full financial position and lender criteria. Most lenders use a 2-3% buffer above current rates.
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After tax, combined household
Monthly Expenses
Emergency fund or other goals
Available for mortgage
$0
per month
Max loan (est.)
$0
Total Expenses
$0
Savings
$0
% of Income
0%
Comfortable
Your estimated mortgage repayment is within a comfortable range of your income.
Saved to your client's account. Send them this link:
They log in as usual and this calculation opens. It's also listed in their portal under saved calculations, marked "From your broker".