Tools
Mortgage Calculators
Estimate borrowing power and repayments. All figures are indicative only and may differ after lender policy, fees and full assessment.
Quick Answer
What These Mortgage Calculators Can and Cannot Tell You
These calculators provide indicative borrowing power and repayment estimates only. They do not include every lender fee, policy rule, credit assessment, property condition or approval requirement, so the result should be treated as a starting point before a broker or lender review.
Reviewed by Callum Duffy, Finance Broker and MFAA member. Last reviewed: 20 June 2026. For transfer duty, concessions and grants, confirm current figures with the relevant state or territory revenue office before relying on an estimate.
Borrowing power calculator
Estimate how much you may be able to borrow based on simplified income, expense and buffer assumptions. This is not lender approval.
Indicative estimate only. Last reviewed: 16 June 2026. Assumes a 30-year principal and interest owner-occupied loan, a 6.50% product rate assessed with a 3.00% buffer subject to an 8.50% floor, estimated Australian income tax and Medicare levy, an expense floor where stated expenses are lower, credit cards assessed at 3.80% of limits, no lender fees, no full credit assessment and no approval guarantee. Actual borrowing power will vary by lender policy, credit history, property type, loan purpose and full financial assessment.
Review your borrowing power
Enter your details and a broker will review your scenario against lender policy. No credit check is completed from this website enquiry.
Use the contact form so you can review the privacy collection notice before submitting personal information.
Request an initial assessment →Repayment calculator
See your estimated monthly repayments and total interest paid over the life of your loan. Compare P&I vs Interest Only options.
General estimate only. Last reviewed: 14 June 2026. It excludes lender fees, package fees, government charges, valuation fees, legal costs and settlement costs unless entered elsewhere. Actual repayments and comparison rates may differ based on lender fees, rate changes, loan conditions and repayment timing.
Compare rate options for this loan
We’ll compare your scenario against suitable options from our accredited 60+ lender panel and disclose relevant costs before you proceed.
Use the contact form so you can review the privacy collection notice before submitting personal information.
Request rate review →Stamp Duty
Stamp Duty by State
Stamp duty, transfer duty, concessions and grants change regularly. Select your state for general guidance, then confirm current rules with the official revenue office and your conveyancer. Last reviewed: 14 June 2026.
Victoria – Transfer Duty
Victorian transfer duty and first home buyer concessions depend on property value, property type, residency, contract date and occupancy rules. Confirm current rates with the State Revenue Office Victoria before relying on an estimate.