Mortgage Calculator

No matter if you’re buying a home, investing in property, or moving, our mortgage calculator can give you a look into what your repayments might be, as well as the affordability of a home loan.

Mortgage 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.

Home Loan Calculators

Home Loan Calculator
This calculator is the easiest way for you to explore monthly mortgage payments, how much you can borrow, and how long it will take to pay off your mortgage.
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.
Mortgage Repayment Calculator
Just fill in the interest rate, how long the home loan would be paid off over and the total amount of mortgage that you would want to borrow to calculate how much your monthly repayment might be and how much interest you’ll end up paying.
Extra Repayment Calculator
As well as calculating the loan repayment and the total interest paid the extra 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.

Investment Property Calculator

Where can I afford to buy? Mortgage Calculator
This calculator helps you find affordable suburbs that you can afford a mortgage repayment in.
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.
Mortgage Calculators Canada
Repayment calculators for the Canadian mortgage market on our sister website Which Mortgage calculators help you to tackle complex investment scenarios for mortgages in Canada.

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 (CGT) 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 (CGT) 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.

Costs of Buying

Lenders Mortgage Insurance 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.

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.