Loan Calculators

There are many things to consider before taking out a loan. Below are some of the calculators we find most helpful for our customers to give them a better understanding of the how and why of borrowing money to help achieve their dreams and goals. If you have any questions about how to use or understand any of these calculators, please contact us using the form below or email us at [email protected] or call us on (02) 8288 9123.

Work out your estimated borrowing capacity based on your income, expenses and any other loans you might have. Please be reminded this estimation is based on major lenders’ calculation, and the result may vary largely due to lender differences and product differences. Also, this calculation doesn’t consider non-bank lenders who may dramatically increase your borrowing capacity.

Each state has different charges for property transactions. Use the stamp duty calculator to get an estimate of how much stamp duty you may owe when purchasing a property. Also factors in first home buyers, pensioners, foreign buyers, land purchases and more!

Find out your monthly repayments (or weekly or fortnightly) for your loan. This calculator also displays the total interest payable during the life of the loan and how your loan balance decreases over time.

Work out your mortgage repayments during and after the interest only loan period. It helps you save money in the short to medium term but there are higher mortgage repayments in the long term!

See how much you can save when you put your savings in an offset account! You can save both time and money on your mortgage!

Paying a little bit extra each week, fortnight or month can go a long way into paying off your home loan quicker and also saving on interest! Find out just how much that is with this calculator.

Did you know that increasing the frequency of your repayments can shave off a fair bit of time and interest owing on your mortgage (with no offset function)? Find out how much you can save on your loan today by just doing this simple switch!

Find the optimal split of your loan between fixed interest and variable interest with this calculator.

For many who are not receiving a base income or have a large portion of overtime, commission, or allowances, income annualisation may help you work out your yearly income based on a partial year with this calculator.

Want to work out your monthly budget in terms of money coming in and money going out? Use your free budget tool to help get you a true picture of your weekly, fortnightly, monthly and annual income and expenses. This is an extremely useful exercise to do before applying for a loan!

Looking to build your dream home or a major renovation project? Our construction loan calculator will help you understand the interest repayments at each stage of the construction process. This will be helpful when planning out all your finances related to the construction project.

Need help understanding all these calculators?

Contact us today for a free assessment of your personal circumstances and financial situation! Let us help you work out what loans are best for your personal goals. Our team of mortgage brokers will always put your needs first as the success of our business relies on your success financially. Let us help you today to find the best loans for your situation. Fill out the form below or call us on (02) 8288 9123.

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