Financial calculators. Numbers first, conversation second.
Financial calculators for Australian borrowers, built around the questions clients ask before they call. Borrowing capacity, repayments, refinance, stamp duty, investment loans. No email gate, no sign-up.
How accurate these calculators are.
Each calculator uses standard assumptions and a single rate. A real loan assessment uses your actual income, your living expenses as the lender measures them, the credit policy of the specific lender, and the loan structure that suits the strategy. The numbers here help you sense-check what is realistic before a full conversation.
Output is general in nature. It does not take into account your personal objectives, financial situation or needs. Confirm the figures with the relevant lender or your broker before acting on them.
Pick the calculator that matches the question.
Borrowing capacity calculator
An estimate of what a lender might offer, given income, expenses and existing debts. Useful before you start looking at property.
Home loan repayment calculator
Monthly repayments across the loan term, with side-by-side comparison of two interest rates. Principal and interest, not interest only.
Refinance calculator
Compare your current loan to a refinance scenario. Highlights monthly savings, total interest over the term, and the break-even on switching costs.
Stamp duty calculator
State-by-state stamp duty, including owner-occupier concessions and first-home-buyer exemptions where they apply.
Investment loan calculator
Repayments on an investment property loan, plus the rough negative-gearing position based on rental yield and a tax bracket you choose.
Numbers add up? Let's talk.
Calculators get you in the ballpark. A conversation gets you to the actual lender, the actual rate, and the structure that fits your plan.