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.

Calculate your repayments

Use our mortgage calculator to help you work out your monthly, fortnightly, or weekly repayments. Simply enter your loan amount and interest rate below, and we will calculate your repayments.

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Repayment calculation is based on a loan period of 30 years

Compare home loans

1.85%Interest rate 2.21%Comparison rate
1.89%Interest rate 1.89%Comparison rate
1.99%Interest rate 1.99%Comparison rate
1.99%Interest rate 1.99%Comparison rate
More home loans
Lender
Advertised rate Comparison rate Monthly repayment Rate TypeOffsetRedrawOngoing FeeUpfront FeesLVRLump Sum RepaymentAdditional RepaymentsPre-approval

VariableMore details
LIMITED TIME OFFER

Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%)

  • 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%
LIMITED TIME OFFER

Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%)

  • 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%
VariableMore details
100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
VariableMore details
REFINANCE IN MINUTES, NOT WEEKS

Nano Home Loans Variable Owner Occupied, Principal and Interest (Refinance Only)

  • Refinance only. Fast online application
  • No Nano fees. Free 100% offset sub account
  • Mobile app, Visa debit card & instant payments
REFINANCE IN MINUTES, NOT WEEKS

Nano Home Loans Variable Owner Occupied, Principal and Interest (Refinance Only)

  • Refinance only. Fast online application
  • No Nano fees. Free 100% offset sub account
  • Mobile app, Visa debit card & instant payments
VariableMore details
NO UPFRONT OR ONGOING FEES

Owner Occupier Accelerates - Celebrate (LVR < 60%) (Principal and Interest)

  • We lower your rate based off how much you’ve paid down your loan
  • Automatic rate match
  • No upfront or ongoing fees
NO UPFRONT OR ONGOING FEES

Owner Occupier Accelerates - Celebrate (LVR < 60%) (Principal and Interest)

  • We lower your rate based off how much you’ve paid down your loan
  • Automatic rate match
  • No upfront or ongoing fees
VariableMore details
UNLIMITED EXTRA REPAYMENTS

Basic Home Loan (Principal and Interest) (LVR < 60%)

UNLIMITED EXTRA REPAYMENTS
VariableMore details
NO ONGOING FEES

Budget Home Loan (Principal and Interest) (LVR < 70%)

NO ONGOING FEES

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. To read about how Savings Media Group manages potential conflicts of interest, along with how we get paid, please click through onto the web site links. View disclaimer.

Split loan calculator

This will help you decide whether to opt for a fixed rate home loan, a variable rate home loan, or a mix of both.

Extra & lump sum payment calculator

Our extra and lump sum payment calculator helps you see how much you could save by making extra repayments, or by making a one-off lump sum payment.

Negative gearing calculator

Negative gearing is borrowing money to purchase a property that generates less income than you are repaying on the loan. In Australia, this can be to your benefit.

Rent or buy comparison

This calculator shows you how your finances will look seven years after buying a home or continuing to rent, allowing you to make an informed decision between the two.

Upfront & Ongoing Cost Calculator

This calculator shows you the upfront and weekly costs associated with buying a home. It will also give you an idea of how much money you should expect to spend on fees like stamp duty.

Income and expenditure worksheet

Calculate the amount of money you can invest each month by subtracting your monthly costs from your income, and adjust your spending to meet your property goals.

Can I afford an investment property?

This tool combines the operating revenue and expense alongside the investor's income tax to give you an estimate of how much an investment property will cost you.

Where can I afford to buy?

Curious about which suburbs and states you can afford to live in? This mortgage calculator will examine how much you can afford to repay per month and give you a list of locations.

Buy then sell or sell then buy

This calculator 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.

Term deposit yield calculator

This calculator will help you to compare yields on term deposits with different interest rates, terms and frequencies at which interest is paid.

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 your 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 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

How accurate are these calculators?

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.

Is the calculator a guarantee the lender will approve this amount?

The calculator is not a guarantee and can provide an estimate only. The lender has the final decision.