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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.

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.

  1. 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.

  2. Loan Calculators

    How Much Can I Borrow? 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.

    Basic 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.

    Advanced Repayment Calculator
    As well as calculating the loan repayment and the total interest paid the advanced repayment calculator 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.


  3. Costs of Buying
    Proudly sponsored by Genworth Financial

    Lenders Mortgage Insurance Estimator
    In nearly all cases, if you borrow more than 80 per cent of what the lender considers to be the value of the property they will ask you to pay their mortgage insurance. This handy estimator determines how much this is likely to cost you.

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


  4. 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.


  5. Investment

    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?
    This tool 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.


  6. Tax

    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
    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.
 


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