Mortgage Calculators

Using an online home loan calculator or mortgage calculator is the most convenient way to help you assess your mortgage payment options. Choose any of our 17 easy-to-use interactive calculators and tools below to help you model any complex mortgage and investment related scenarios.

Home Loan Repayment Calculator

Enter an interest rate, the term of the loan and the amount you would like to borrow, to get the
minimum monthly repayment and the amount of interest paid.

Loan amount:

Interest rate: %

Loan period:

years

Important Note: All calculators are a guide only and should not be considered a quote, a loan offer, or investment advice. Other criteria may need to be considered and before taking out a loan you should consult your financial adviser.

Life Insurance Calculator

Find out how much life insurance you require, buy using our Life Insurance Calculator.

Life Insurance Quotation

Life insurance provides the financial means to preserve your family's way of life in the unfortunate event of your death. If the worst happens, a lump sum is paid to your beneficiaries, assisting them in taking care of mortgage and other debts, children's education and other costly aspects of life. Paying a monthly premium will ensure that you achieve peace of mind in the knowledge that you will provide for your family even if you are no longer there.

Individual life insurance

Couple life insurance

Income Protection Quotation

Income protection replaces wages that you would lose if rendered unable to work through ongoing sickness or disability. Such cover will help you maintain your independence by making mortgage repayments and going towards everyday living expenses. If you rely heavily on money earned through employment, income protection will relieve you of an additional burden in a potentially difficult time.

Mortgage Chooser

Choosing the right home loan can be difficult. Using our Mortgage Chooser tool, can help make that decision easier. We will search our database of over 800 products to instantly provide you with the 10 top ranked home loans based on your requirements.

Home Loan Calculators

How Much Can I Borrow? Mortgage Calculator
This calculator provides an estimate of the maximum you can borrow, taking into account your monthly income and expenditure and current interest rates. This calculator also builds in a buffer for interest rate rises.
Income and Expenditure Worksheet
Use the income and expenditure worksheet to calculate how much you can afford to borrow.
Home Loan Repayment Calculator
Enter the interest rate, the term of the loan and the amount you are borrowing to get the minimum monthly repayment and the amount of interest paid.
Mortgage Repayment Calculator Advanced
As well as calculating the loan repayment and the total interest paid the mortgage repayment calculator advanced shows the effect of making additional repayments and redraws and produces a table showing the full loan amortisation.
Fixed vs Variable Interest Rate Calculator
This simulator allows you to analyse the choice of a fixed or variable rate by modeling changes in the variable interest rate and comparing the amount repaid during the period and the outstanding loan balance at the end of the period.
Mortgage Broker Checklist
If you're planning to use a mortgage broker to help you find the perfect home loan, there is some information you should find out from your broker before you start.

Investment Property Calculator

Term Deposit Yield Calculator
This calculator allows the user to determine which term deposits offer the highest yield.
Retirement Savings Calculator
The Retirement Savings Calculator provides an estimate of the amount of money you will save by the time you retire and the number of years these savings will last you in your retirement.
Can I Afford An Investment Property? Calculator
This investment property calculator provides an estimate of how much an investment property will cost. It combines the cash operating revenue and the cash operating expenses with the change in the amount of income tax paid to measure the net change in the investors income due to the investment property.

Comparison Tools

Rent vs Buy
This tool allows you to compare your estimated financial position after seven years of renting with your estimated financial position after seven years of home loan repayments.
Buy Then Sell or Sell Then Buy
This estimator provides an indication of the costs you will face depending on the order in which you sell your old home and buy your new one.
Relocation Timeline
This calculator takes your specific moving details and produces a customized timeline. This can then be printed out in the form of a checklist to tick off tasks as they are completed.

Costs of Buying

Lenders Mortgage Insurance Estimator Calculator

This tool allows you to compare your estimated financial position after seven years of renting with your estimated financial position after seven years of home loan repayments.

Home Cost Estimator
This calculator allows you to estimate the total cost of purchasing a property including all those nasty hidden costs.

Tax Calculators

Stamp Duty Calculator
Work out how much you'll owe the tax department for stamp duty on your home and on the amount you borrow.
Capital Gains Tax Estimator Calculator
This estimator provides an indication of the amount of capital gains tax you may be required to pay on an investment property.
Simple Capital Gains Tax Estimator Calculator
This estimator provides an indication of the amount of capital gains tax you may be required to pay on an investment property.
Negative Gearing Calculator
This calculator is designed to give residential property investors an estimate of the net income effect of owning an investment property.