Home Loan Calculators Australia
Everything you need to plan your home loan. Calculate mortgage repayments, check your borrowing capacity, estimate stamp duty and LMI, or see if refinancing could save you money.
Mortgage Repayment Calculator
Monthly repayments, total interest, and how extra payments save you money. Fixed and variable rates.
PropertyBorrowing Capacity Calculator
Estimate how much a bank will lend you based on income, debts, and living costs.
PropertyRefinance Calculator
See if refinancing could save you money. Compare your current rate to a new one.
PropertyRate Rise Impact Calculator
See how much your mortgage goes up if the RBA raises rates.
PropertyOffset Mortgage Calculator
See how much your offset account saves in interest and years off your loan.
PropertyStamp Duty Calculator
All states and territories. First home buyer exemptions included.
PropertyLMI Calculator
Find out if you'll pay Lenders Mortgage Insurance and how much.
PropertyCan I Afford to Buy?
Enter savings, rent and house price. Shows stamp duty, repayments vs rent, and if you can make the jump.
PropertyRent vs Buy Calculator
Compare renting vs buying over 1–10 years. Uses bank city forecasts.
PropertyRental Yield Calculator
Gross and net yield. See if the numbers stack up before you buy an investment.
PropertyNegative Gearing Calculator
Tax benefits and cash flow from negatively gearing an investment property.
PropertyCapital Gains Tax Calculator
CGT on property or investments. Includes the 50% discount for 12+ months.
PropertyPlanning your home loan in Australia
Buying a home in Australia involves several financial calculations beyond just the mortgage repayment. You need to factor in stamp duty (which varies by state), Lenders Mortgage Insurance if your deposit is under 20%, and your actual borrowing capacity based on lender serviceability rules.
Start with the borrowing capacity calculator to understand how much a bank might lend you. Then use the mortgage repayment calculator to see what your monthly repayments would look like. Don't forget to check stamp duty for your state — it's an upfront cash cost that can't be added to your loan.
If you already have a home loan, the refinance calculator can show you potential savings from switching to a lower rate, and the rate rise impact calculator helps you stress-test your repayments against future RBA rate changes.