Mortgage Home Loan Calculator
Explore repayment scenarios
Whether you’re a first home buyer, refinancing your current home, or buying or investing in a new property, our calculator will help you estimate your borrowing capacity.
Your Loan, Your Rate
See what your repayments might look like
This repayment calculator gives you an estimate of what your home loan repayments could be, based on information you have provided in the calculator.
The calculator does not take into account loan establishment or application fees, nor government statutory or lender fees. It is to be used as a guide only and does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it.
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Frequently Asked Questions
Our repayment calculator takes into account how much you need to borrow, the loan term (for example 30 years), and then calculates the interest charge based on which loan structure you choose.
In its simplest form, how much you can afford to borrow for a home loan depends on your income, minus your expenses. We’re looking to see how much debt you can ‘service’, and therefore how much we may be able to lend you.
Stamp duty is a tax you pay when you buy a home. The amount varies according to the amount borrowed and the purchase price, as well as what state or territory your home is in. Stamp duty is expensive, so it’s worth checking with your state as to whether your home might qualify for an exemption or reduced rate – particularly if you’re a first home buyer.
Your equity is the difference between the current market value of your property and the amount remaining on your home loan. As you pay off your home loan, the equity you have in your home grows, and if the property’s value increases, your equity will go up as well.