Based on your details, you can compare the following home loans. Advertised Rate. Intro 24 months. Compare View Now. Fixed - 2 years. Apply by 30th November and settle by 28th February Terms and conditions apply. Apply by 30 November and settle by 28th February Terms and Conditions apply. View all. What is a home loan calculator? Also called a "mortgage calculator", a home loan calculator can help you to: Find a low rate: Work out the lowest interest rates you can afford, and how much you could save compared to a higher rate loan.
Find out how much you can borrow: Use your income and saved deposit to work out how much you can afford to borrow and comfortably repay. When should I use a home loan calculator? Home loan calculators can be useful at almost any stage of your home loan journey. Before you start looking for properties, you can estimate how much a bank may offer to lend you, giving you a better idea of your real estate budget. When making offers on properties, you can determine how different purchase prices and property values can affect the LVR and LMI on your home loan.
Once you have a home loan, you can work out how refinancing to a different interest rate could affect your repayments and potentially put you in a better financial position. Home loan repayment calculator: By using this calculator to estimate your mortgage repayments with different variables, you can work out which loans match your needs and financial situation. Stamp duty calculator: Estimating the stamp duty you may have to pay on a property can help you calculate your upfront costs when buying a property.
Mortgage stress calculator: Comparing the potential cost of mortgage repayments with your household income can help you work out if a change in interest rates or a similar financial shock could put your budget under stress.
Refinance calculator: Working out what interest repayments look like from one loan, compared to your current loan, can help you work out if now is the right time to consider switching mortgages. Get a property's value and work out what you can afford Using a mortgage calculator is just one part of the journey.
Find out how much a property is worth and you'll know how much you need to borrow before using a calculator. Why should I use a mortgage calculator? Will using a bank or lender's calculator offer the best results?
Popular home loan lenders across Australia. What a home loan comparison calculator offers. How do I use a home loan repayment calculator? Principal and Interest or Interest Only Your borrower type e. How do I view my mortgage calculator repayment schedule? It does not take into account: increases or decreases to variable interest rates any fees you may be charged the use of loan features such as an offset account or redraw facility.
Compare from among Australia's most popular rates. Compare Enquire Now. No ongoing fees Suitable for low deposits Parents can sign as guarantor Extra repayments and redraw facility. What's the next step after using a mortgage calculator? Will a mortgage broker make it easier than doing it myself?
Contact a mortgage broker. Joel Flanagan. I'm a loan specialist providing an outstanding professional service for each one of my clients. I'm available seven days a week, willing to answer my client's enquiries in the most transparent and comprehensive way.
NSW ACL: Tony Harris. Having worked as a mortgage and finance broker, Tony has also lent his expertise to advise and mentor other businesses to overcome challenges and thrive in a competitive and rapidly changing environment. He has a proven track record of getting things done with unbridled enthusiasm and a commitment to help make a difference. By myself With someone else. Dependants supported A dependant is defined as: a child under the age of 18 years; or a child aged 18 years or older who lives with the applicant, receives no income from government benefits, employment or other income sources, and is totally financially reliant on the applicant eg.
Purpose of property. To live in Investment. Postcode This is the address where you will be living after purchasing the property. My salary before tax This is your base salary. The other borrower's salary before tax. The other borrower's salary before tax The other borrower's salary before tax Annually Monthly Fortnightly Weekly. Other rental income This is the rental income you are currently receiving, plus what you expect to receive from any future property purchases.
Other income This includes other non-salary income such as anticipated bonus, overtime pay, loadings, dividends and commissions. Investment Property Expenses incl. Insurance Housing and property expenses on investment property including rates, taxes, levies, body corporate and strata fees, repairs and maintenance, insurance building, contents etc , all other utilities and household costs for fixtures and fittings.
Insurance Investment Property Expenses incl. Insurance Monthly Annually Fortnightly Weekly. Current home loan repayments This is any mortgage repayment you have on your existing property you live in if none, leave blank.
Current investment home loan repayments This is any mortgage repayment you have over any existing investment property If none, leave blank. Current investment home loan repayments Current investment home loan repayments Monthly Annually Fortnightly Weekly. Current outstanding personal loan repayments This is any loan repayment you have for a personal loan e.
Current outstanding personal loan repayments Current outstanding personal loan repayments Monthly Annually Fortnightly Weekly. Total credit card and overdraft limits This is the sum of all credit limits on your credit card and overdraft accounts.
Start over Start over. Calculate borrowing power Calculate borrowing power. What is borrowing power? Genuine savings. Long story short: the more income you can show, the greater your borrowing power will be.
Credit limits. Living expenses. How to increase your borrowing power. These include: Saving — the first step in any home-buying journey is to save a deposit. Other home loan calculators. Home Loan Repayment Calculator See how much you may need to pay back each week or month. Stamp Duty Calculator Work out how much you could pay in stamp duty and other fees. LVR and interest rates Why is this important to you? Why Refinance?
Refinancing your home loan. Refinance your home loan and save Refinance costs Refinance process. First home buyer. What do you need to think about when buying your first home? Saving for a home loan deposit using your super What is lenders mortgage insurance? What are the benefits of investing in property? Building or renovating? Building option Building or renovating Costs of building or renovating Building insurance. Buying your next home.
Start researching for your next home Pay your loan off sooner Check you have the right loan Pay less with an offset. Tools to help you research. Compare home loans See at a glance how fees, features and loan purposes differ by product.
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Apply online Apply online. Retrieve application Retrieve application. Home loan calculators. Mortgage calculator Find out how much you may be able to borrow and the potential costs involved in buying a home. Home loan repayment calculator See how much you may need to pay back each week or month. Stamp duty calculator Work out how much you could pay in stamp duty and other fees. Extra repayment calculator Learn how long it could take to pay off your loan and what impact extra payments could have.
Other home loan calculators Lump sum calculator Split payment calculator Estimate the cost to rebuild your house. Tools to help you research. Compare home loans See at a glance how fees, features and loan purposes differ by product. Compare interest rates View and compare all of our current home loan interest rates. Award-winning innovation.
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