Researching, applying for and servicing a home loan are all processes that can involve a whole lot of maths and calculations. Thankfully, you don’t have to go it alone – our home loan calculators and tools can help you with:
And more!
Our suite of home loan calculators and tools is designed to provide you with a holistic and comprehensive way of costing the various stages of your home loan journey.
Rather than calculating your potential home loan costs across a range of different websites and calculators, you can ballpark some of your most crucial and significant home-related costs, all together in the one place!
Whether you want to compare loans, get an idea of the size of your potential repayments or better understand the costs that could be associated with your home loan or mortgage, we’re here to help.
We’ve broken our home loan calculators and tools into three sections:
This means you can start with whichever set of calculators and tools suits your current situation best, and then go from there!
Your borrowing power is the loan amount you can afford to borrow based on the amount you can afford to make in regular repayments. This is influenced by your income, current financial situation and additional factors like potential home loan interest rates.
Not all home loans are created equal. By comparing loan types, upfront fees, monthly and annual fees, intro terms, interest rates and other product information, you can zero in on the home loans that might be right for you.
In addition to the property price, you’ll have to factor in other fees and upfront costs such as application fees, legal costs and inspection fees. This calculator can help you estimate what these costs might look like for you.
The loan-to-value ratio (LVR) expresses the ratio of money you’ve borrowed in the form of a loan as a percentage of your property’s value. Lenders use LVR when determining the risk you may pose as a borrower and your suitability for a mortgage.
With a home loan comes home loan repayments. Our calculator lets you ballpark your potential mortgage repayment amounts, as well as experiment with different variables (like repayment frequency) to see how they could affect the size of your repayments and the true cost of the loan over time.
Making lump sum repayments towards your home loan can reduce the term of your loan and the total interest you’ll pay over the life of the loan (depending if you take out a variable or fixed rate home loan).
This calculator can help you estimate how much time and interest you could save by making extra repayments towards your home loan balance.
The fees associated with selling a property include agent commissions, adverting costs, conveyancing fees and settling costs, to name a few. This calculator can give you a better idea of the total costs you could expect to incur by selling a property.
Stamp duty is a tax charged by state and territory governments on the transfer of a property’s title – which happens just about every time someone buys or sells a property.
It essentially covers the administrative costs of transferring a property’s title from one person to another, but the exact thresholds, rates and eligibility criteria will vary depending on where you live in Australia. That’s why we’ve got a standalone stamp duty calculator for every state and territory in Australia.
Whether you’re buying your first home or looking to refinance an existing mortgage, we’re here to help make it easier. Answer a few simple questions, such as the loan purpose, property location and type of interest rate you prefer, and we’ll display some quotes from a variety of lenders across Australia.
It’s quick and easy, so what are you waiting for?
