Mortgage Calculators
Plan your home loan with our free, easy-to-use calculators. Get instant estimates for borrowing power, repayments, stamp duty, and more.
Mortgage Repayment Calculator
Calculate your monthly mortgage payments based on loan amount, interest rate, and loan term.
Your Monthly Repayment
Based on a fixed rate. Actual payments may vary if rates change.
Stamp Duty Calculator
Calculate stamp duty on your property purchase for any Australian state or territory. Includes first home buyer concessions and foreign buyer surcharges.
Stamp Duty Breakdown
Rates are based on publicly available 2025–26 schedules. Government fees are updated annually. First home buyer concessions, owner-occupier rates, and foreign surcharges vary by state. Always confirm with your state revenue office.
Borrowing Power Calculator
Estimate how much you can borrow based on your income, living expenses, and debts. A minimum expense floor (HEM) is applied, just like the banks.
Your Situation
Income
Monthly Living Expenses
Financial Commitments
Loan Details
Your Estimated Borrowing Power
This estimate uses a 3% interest rate buffer and applies a HEM (Household Expenditure Measure) floor on living expenses, the same approach used by most Australian lenders. Actual borrowing power may vary depending on your credit history, employment status, and lender assessment.
Refinancing Savings Calculator
Calculate how much you could save by refinancing to a lower interest rate.
Your Refinancing Savings
Estimates assume consistent payments over the term. Actual savings depend on rate movements and loan circumstances.
Turn these numbers into a plan
These calculators give you a starting point. A quick call with Shane will give you the full picture, tailored to your unique situation.