Calculators
Get a feel for the numbers before we talk
Estimates only. Your actual repayments and borrowing capacity depend on the lender, fees and your circumstances.
Loan repayments
Adjust the loan amount, rate and term to see what a loan would cost each month, fortnight or week.
Calculator assumptions
- Interest is compounded at the repayment frequency; lenders generally accrue daily and debit monthly, so a lender schedule may differ slightly.
- The rate is assumed constant for the whole term.
- Fees, charges, offset accounts and redraw are not included.
- Principal and interest: the loan is fully repaid over the term.
Important information
These calculations are estimates only and are based on the information you enter and the assumptions shown. They are not a quote, offer of credit or credit advice. Actual figures and eligibility will depend on lender policy and a formal assessment of your circumstances.
Loan balance + total repayments
Borrowing power
An indicative range based on your income and expenses.
Indicative borrowing range
$521,192 – $613,167
Your declared expenses were below our minimum benchmark, so the benchmark was used instead - lenders do the same thing.
Calculator assumptions
- Assessed at your rate plus a 3.00 percentage point serviceability buffer, which is the minimum buffer APRA requires lenders to apply.
- A minimum living-expense benchmark is applied if your declared expenses are lower.
- The result is a range, not a pre-approval or a promise to lend.
- Every lender assesses differently - income shading, credit-card limits, HEM benchmarks, LMI and deposit size all change the answer materially.
- Deposit, LMI, stamp duty and other purchase costs are not modelled.
Important information
These calculations are estimates only and are based on the information you enter and the assumptions shown. They are not a quote, offer of credit or credit advice. Actual figures and eligibility will depend on lender policy and a formal assessment of your circumstances.
Extra repayments
See how much time and interest a little extra each month can save.
Calculator assumptions
- The extra amount is paid every repayment, starting immediately, for the life of the loan.
- The interest rate is assumed constant.
- Fixed-rate loans often cap extra repayments - check your loan contract.
- Fees and charges are not included.
Important information
These calculations are estimates only and are based on the information you enter and the assumptions shown. They are not a quote, offer of credit or credit advice. Actual figures and eligibility will depend on lender policy and a formal assessment of your circumstances.
Savings with extra repayments
Stamp duty
Transfer duty by state and territory, including first home buyer concessions, plus government registration fees.
No first-home concession applies to these inputs.
An estimate isn't available for this property value. Get in touch and we'll work it out with you.
Calculator assumptions
- Includes the standard transfer registration fee and registration of one new mortgage for a single-title purchase.
- Private e-conveyancing, title-search, bank, legal and conveyancing fees are not included.
- First-home concessions depend on eligibility criteria this calculator does not check, including residency requirements and whether you have owned property before.
- Foreign-purchaser surcharges are not applied.
- Rates verified as at 23 August 2026. Rates change; figures reflect the schedule stored at the time of your visit.
Important information
These calculations are estimates only and are based on the information you enter and the assumptions shown. They are not a quote, offer of credit or credit advice. Actual figures and eligibility will depend on lender policy and a formal assessment of your circumstances. Please ask your conveyancer or solicitor to confirm the final duty, government registration fees and legal costs for your transaction.
Government fee sources
Rates verified as at 23 August 2026. Rates and fee schedules can change.
Numbers are a starting point. A chat gets you the real answer.
Every figure above is a guide. Abby turns it into options from real lenders.
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