Calculators
Run the numbers before anyone runs them at you.
No sign-up, no email gate. These are estimates built on standard amortisation, useful for orienting yourself, and a much better starting point for a conversation.
Borrowing power
A conservative estimate of what a lender might advance you, assessed with the regulatory buffer applied on top of the product rate.
Before tax, all applicants combined.
Lenders apply a minimum floor if you enter less than they expect.
Car, personal loans, HECS-HELP.
Lenders assess your limit, not your balance.
You may be able to borrow
$529,018
Indicative purchase price
$629,018
Loan plus your deposit, before stamp duty and costs.
Assessed at
9.09%
incl. buffer
Est. repayment
$3,202
per month
This is an estimate only, based on the figures you entered. It is not an offer of credit, a quote, or personal financial advice, and it does not account for your full circumstances. Your actual borrowing capacity, rate and repayments are subject to lender assessment and their credit criteria.
Home loan repayments
What a loan of this size actually costs each month, and what the interest adds up to over the full term.
Monthly repayment
$3,934.77
per month
Fortnightly
$1,816.05
Weekly
$908.02
Total interest over term
$766,517
across 30 years
This is an estimate only, based on the figures you entered. It is not an offer of credit, a quote, or personal financial advice, and it does not account for your full circumstances. Your actual borrowing capacity, rate and repayments are subject to lender assessment and their credit criteria.
What refinancing would save you
Compares staying on your current rate against switching, over the same remaining term, then shows the month your savings overtake the switching costs.
Discharge, application and registration fees.
You could save
$327.42
per month
Now paying
$3,963
per month
Would pay
$3,636
per month
Break-even
4 months
After this point you are ahead on the $1,200 switching cost.
Net saving over the remaining term
$100,955
After switching costs, on these figures.
This is an estimate only, based on the figures you entered. It is not an offer of credit, a quote, or personal financial advice, and it does not account for your full circumstances. Your actual borrowing capacity, rate and repayments are subject to lender assessment and their credit criteria.