Finance Calculators
Find the right home loan for you, understand what you can afford to borrow, and explore every facet of home ownership or property investment.
Lender | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Variable | More details | ||||||||||||
| FEATUREDLIMITED TIME OFFER | Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%)
| ||||||||||||
Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%)
| |||||||||||||
| Variable | More details | ||||||||||||
| FEATURED100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES | Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)
| ||||||||||||
Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)
| |||||||||||||
| Variable | More details | ||||||||||||
| FEATUREDFREE REDRAW FACILITY | Yard Home Loan (Principal and Interest) (Special) (LVR < 80%)
| ||||||||||||
| Variable | More details | ||||||||||||
| NO ONGOING FEES | |||||||||||||
| Variable | More details | ||||||||||||
- Fast turnaround times, can meet 30-day settlement
- For purchase and refinance, min 20% deposit
- No ongoing or monthly fees, add offset for 0.10%
Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of May 26, 2022.
Free home loan calculators
Finding a home loan can be one of the most stressful parts of the home buying journey. We make the task easier with our wide range of calculators that can help you estimate the cost of buying a house such as stamp duty costs, lenders mortgage insurance, how much you’re able to borrow, what your repayments could be, and more.
Please note these calculators provide an estimate only and are not a guarantee of a successful home loan application.
How to use our home loan calculators
Our home loan calculators are simple to use. You need to have an idea of your loan amount, the interest rate, repayment type, loan term, repayment frequency, and other information as required.
If you’re not sure what your loan amount is because you’re a first time home buyer or have only just started thinking about taking out a home loan, that’s okay. Have a think about what your budget is and enter rough numbers into the calculator that matches your budget.
Other calculators, like the stamp duty calculator, may require you to enter your location, while our income tax calculator will require you to include your income and current expenses.
How can mortgage brokers help?
Our Mortgage Calculators are designed to give you rough estimates of the information you are looking for, be it how much you can borrow or how long will your home loan period be.
While our calculators do not give you all the answers to your queries, it aims to help you assess your financial capacity and borrowing power before even applying for a home loan.
It is still a good idea for you to consult a financial expert to assess your situation thoroughly.
Mortgage brokers will be able to give you a deeper understanding of the results that you will be seeing from our Mortgage Calculators. They can provide you with advice and tips to make sure you grasp how home loans work.
Mortgage brokers can also assist you in getting the best home loan deals in town that perfectly fit your needs and capacities. Talk to a mortgage broker today and discover what you can afford!
Frequently Asked Questions
Our calculators can only provide an indication based on the figures you've provided. The more information you provide, the more accurate the figures will be.
The calculator is not a guarantee and can provide an estimate only. The lender has the final decision.
Get help finding
the right home loan
Not sure which type of loan is best for your needs?
Your Mortgage can help you find out.
Since 1995 we've been helping Australians learn about home ownership, compare home loans and get help from home loan specialists to find the right home loan for them.
© 2021 Savings.com.au Pty Ltd · AFSL and Australian Credit License Number 515843
The entire market was not considered in selecting the above products. Rather, a cut-down portion of the market has been considered. Some providers' products may not be available in all states. To be considered, the product and rate must be clearly published on the product provider's web site. Savings.com.au, yourmortgage.com.au, yourinvestmentpropertymag.com.au, and Performance Drive are part of the Savings Media group. In the interests of full disclosure, the Savings Media Group are associated with the Firstmac Group. Read about how Savings Media Group manages potential conflicts of interest, along with how we get paid.
Savings.com.au Pty Ltd ACN 161 358 363 operates as an Australian Financial Services Licensee and an Australian Credit Licensee Number 515843. Savings.com.au is a general information provider and in giving you general product information, Savings.com.au is not making any suggestion or recommendation about any particular product and all market products may not be considered. If you decide to apply for a credit product listed on Savings.com.au, you will deal directly with a credit provider, and not with Savings.com.au. Rates and product information should be confirmed with the relevant credit provider. For more information, read Savings.com.au's Financial Services and Credit Guide (FSCG) The information provided constitutes information which is general in nature and has not taken into account any of your personal objectives, financial situation, or needs. Savings.com.au may receive a fee for products displayed.