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Using an online home loan calculator or
mortgage calculator is the most convenient way to help you assess your mortgage
payment options. Choose any of our 17 easy-to-use interactive calculators and tools
below to help you model any complex mortgage and investment related scenarios.
Important Note
All calculators are a guide only and should not be considered a quote, a loan offer,
or investment advice. Other criteria may need to be considered and before taking
out a loan you should consult your financial adviser.
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Loan Calculators
How Much Can I Borrow? Calculator
This calculator provides an estimate of the maximum you can borrow, taking into
account your monthly income and expenditure and current interest rates. This calculator
also builds in a buffer for interest rate rises.
Income and Expenditure Worksheet
Use the income and expenditure worksheet to calculate how much you can afford to
borrow.
Basic Repayment Calculator
Enter the interest rate, the term of the loan and the amount you are borrowing to
get the minimum monthly repayment and the amount of interest paid.
Advanced Repayment Calculator
As well as calculating the loan repayment and the total interest paid the advanced
repayment calculator shows the effect of making additional repayments and redraws
and produces a table showing the full loan amortisation.
Fixed vs Variable Interest Rate Calculator
This simulator allows you to analyse the choice of a fixed or variable rate by modeling
changes in the variable interest rate and comparing the amount repaid during the
period and the outstanding loan balance at the end of the period.
Mortgage Broker Checklist
If you're planning to use a mortgage broker to help you find the perfect home loan,
there is some information you should find out from your broker before you start.
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Costs of Buying
Proudly sponsored by Genworth Financial
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Lenders Mortgage Insurance Estimator
In nearly all cases, if you borrow more than 80 per cent of what the lender considers
to be the value of the property they will ask you to pay their mortgage insurance.
This handy estimator determines how much this is likely to cost you.
Home Cost Estimator
This calculator allows you to estimate the total cost of purchasing a property including
all those nasty hidden costs.
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Comparison Tools
Rent vs Buy
This tool allows you to compare your estimated financial position after seven years
of renting with your estimated financial position after seven years of home loan
repayments.
Buy Then Sell or Sell Then Buy
This estimator provides an indication of the costs you will face depending on the
order in which you sell your old home and buy your new one.
Relocation Timeline
This calculator takes your specific moving details and produces a customized timeline.
This can then be printed out in the form of a checklist to tick off tasks as they
are completed.
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Investment
Term Deposit Yield Calculator
This calculator allows the user to determine which term deposits offer the highest
yield.
Retirement Savings Calculator
The Retirement Savings Calculator provides an estimate of the amount of money you
will save by the time you retire and the number of years these savings will last
you in your retirement.
Can I Afford An Investment Property?
This tool provides an estimate of how much an investment property will cost. It
combines the cash operating revenue and the cash operating expenses with the change
in the amount of income tax paid to measure the net change in the investors income
due to the investment property.
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Tax
Stamp Duty Calculator
Work out how much you'll owe the tax department for stamp duty on your home and
on the amount you borrow.
Capital Gains Tax Estimator
This estimator provides an indication of the amount of capital gains tax you may
be required to pay on an investment property.
Negative Gearing Calculator
This calculator is designed to give residential property investors an estimate of
the net income effect of owning an investment property.
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