Home loan calculators
Pick the one that matches your question. How much could I borrow: borrowing power. What will it cost each month: repayments. What does the purchase cost on top: stamp duty. Is it worth switching: should I refinance. Three of the four work today; stamp duty explains the sums until its tool is built. None of them is a lender's decision.
The four calculators, and what each one tells you
Borrowing power
Works out your monthly position from your income, spending and debts, after tax, in your browser, and turns it into one loan amount, with the assumptions it used.
Repayments
Works out your repayment on principal and interest or interest only, at the frequency you pay, with your offset, extra repayments and a rate change.
Stamp duty
The calculator isn't built yet. The page shows the first home thresholds for Queensland, Victoria and Western Australia, with a worked example.
Should I refinance
Put in what you owe, your rate, the years left, the new rate and the cost of switching. It shows the monthly saving and when the switch pays for itself.
What no calculator can tell you
Every calculator works on the figures you type and the assumptions it makes, ours included. A lender works on your documents, its own count of your income and spending, and a test rate higher than the one you'd pay. So a calculator can show you roughly where you stand. It can't tell you whether a lender will say yes, or which lender will lend you the most.
A high number isn't an approval, and a low one isn't a no. Sometimes the right answer is to wait: a card to close, a pay rise to show on payslips, a few more months in a new job.
Have your own numbers run instead of estimated
Tell me which question brought you here and send the figures behind it: your income, your debts, your deposit, and the price or the loan you have now. I'll run them through the lenders' own assessments and tell you where each one lands, and why.
You'll hear back within the hour in business hours, and by 9am the next business day after hours.
Updated 3 October 2026