Home loan calculators and tools

Plan ahead with a home loan calculator and save thousands.

You can use the calculators on this page to determine the repayment costs of a home loan, your borrowing power, stamp duty costs and many other home loan costs. You can also get a more accurate idea of the costs of switching between home loans and can compare two loans side-by-side.

Please note that all our calculators provide estimates only.

Use our home loan calculator to estimate repayments for different loan terms

Or skip ahead to our other calculators

Loan repayment calculator

Loan repayment calculator

Choose between monthly, fortnightly or weekly payment frequencies, to calculate what your regular minimum repayments will be on your home loan.

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How much can I borrow calculator?

Borrowing power calculator

Find out your borrowing potential so you know what you can afford. Although this differs from lender to lender, this calculator will give you a good estimate.

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Extra repayment calculator

Extra repayment calculator

Calculate how much money you could save by making regular extra monthly repayments.

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Stamp Duty Calculator

Stamp duty calculator

Avoid the confusion by using this calculator to work out how much stamp duty you will need to pay.

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Split rate loan calculator

Split rate calculator

Work out how much you will or won’t save if you were to split your loan.

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Lump sum calculator

Lump sum calculator

Work out how much you can save by making large lump sum payments

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Property buying cost calculator

How much does buying a property really cost?

Work out how much you will need to cover other expenses like conveyancing fees and building inspection fees.

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Switching cost calculator

Switching cost calculator

Find out if refinancing to another home loan will save you money.

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Other helpful calculators

Income Tax Calculator
Income tax calculator

Use this calculator to work out your after tax income, and how much of your net income you will be able to allocate towards buying a property.

honeymoon loan calculator
Calculate how much a honeymoon loan will save you

This will help you to work out how much you will be paying once the introductory period ends and the interest rate reverts to the standard rate.

locan comparison calculator
Loan comparison calculator

With so many lenders in the market, it’s important to compare different home loans to make sure you get the right one for you.

Offset Mortgage Calculator
Offset account savings calculator

This calculator can tell you how much interest you’ll save and how much faster you can pay off your loan if you use an
offset account.

reverse mortgage calculator
Reverse mortgage calculator

If you’re thinking about your retirement, this calculator will estimate how much money you can borrow from your mortgage, based on your age and property value.

how long to repay?
Calculate how long it will take you to pay off your home loan

This easy-to-use calculator allows you to figure out how long it will take you to pay off your mortgage.

bi-monthly calculator
See how much money you could save with bi-monthly repayments

This calculator shows you the time and money saved by making fortnightly repayments.

remaining balance calculator
Remaining balance calculator

Find out what your remaining home loan balance will be in the future

property selling cost calculator
Property selling costs calculator

Make things easier by using this calculator to help determine how much money you’ll have in your pocket after you’ve sold your property.

How to get the most out of our home loan calculators

Using these home loan calculators is easy and hassle-free. You just need to have an idea of your loan amount, desired interest rate, repayment type and other information. If you're a first home buyer or you're just doing early research, try and think of rough numbers to match your needs and budget.

Depending on the type of calculator, you can also enter details like which state you're in (stamp duty costs vary by state) as well as the repayment type (make sure you know the difference between principal and interest and interest-only loans.

Other calculators like the income tax calculator and the borrowing power calculator will require your income and current expenses.

The calculators give you flexible options like monthly, fortnightly or weekly repayments and various loan terms so you can tailor each calculator to your specific situation. You can also use the amortisation tab, which breaks down how much interest you’ve paid, and where your loan balance stands after every year. After you’ve calculated the results, you can convert your findings into a PDF so you can easily access it again later.

Compare home loan options below

Rates last updated June 18th, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.59%
3.59%
$0
$0 p.a.
80%
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees. UBank will cut its variable rates for new and existing customers on June 28, making this rate even lower.
3.44%
3.44%
$0
$0 p.a.
70%
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
3.47%
3.48%
$0
$0 p.a.
90%
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.
3.39%
4.41%
$300
$10 monthly ($120 p.a.)
90%
A low fixed rate loan that lets you borrow up to 90% of your property's value.
2.99%
4.40%
$0
$395 p.a.
90%
Loans over $150000 get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
3.54%
3.54%
$0
$0 p.a.
80%
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options.
3.58%
4.26%
$0
$395 p.a.
80%
Get a low 3 year fixed rate with a 100% offset account and package discounts.
2.99%
4.09%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.65%
3.66%
$500 (if over 80% LVR)
$0 p.a.
80%
A competitive variable mortgage for home buyers. This loan has flexible repayments and an optional redraw facility.
3.24%
3.88%
$395
$0 p.a.
80%
A competitive fixed interest rate product with no ongoing bank fees.
3.44%
3.48%
$0
$10 monthly ($120 p.a.)
80%
Get a competitive variable rate and a 100% offset account.
3.59%
4.35%
$600
$0 p.a.
95%
Competitive rates for fixed for 3 years with no ongoing fees.
3.44%
4.51%
$300
$10 monthly ($120 p.a.)
90%
Home buyers can lock in a very competitive fixed interest rate for 2 years.
3.79%
4.22%
$0
$395 p.a.
80%
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.57%
3.61%
$0
$0 p.a.
95%
A simplified mortgage with a low interest rate and a redraw facility. Approval fee waived for a limited time.
3.89%
4.29%
$0
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
3.59%
3.48%
$0
$0 p.a.
70%
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit.
3.79%
3.79%
$0
$0 p.a.
95%
Competitive, flexible rate mortgage with simple features and low fees. Low deposit option available.
3.44%
3.70%
$0
$248 p.a.
70%
Borrowers with a 30% deposit can get this competitive rate. Cut down on interest costs with a 100% offset account.
3.69%
3.70%
$0
$0 p.a.
90%
Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000. Plus $1,500 cashback offer for eligible refinancers.
3.44%
3.48%
$0
$10 monthly ($120 p.a.)
90%
This is a flexible variable loan with low fees and a 100% offset account. Available with a 10% deposit.
3.99%
4.00%
$500 (if over 80% LVR)
$0 p.a.
80%
A variable investment mortgage with flexible repayments and an optional redraw facility.
3.49%
3.49%
$0
$10 monthly ($120 p.a.)
95%
Lock in a competitive rate for three years while you pay off your home. 100% offset account attached.
3.69%
3.86%
$0
$0 p.a.
95%
This high LVR fixed rate loan allows you to borrow up to 95% of the value of the property you're buying. Approval fee waived for a limited time.
3.64%
4.63%
$300
$10 monthly ($120 p.a.)
90%
Low fixed rate loan for home buyers. Available with a 10% deposit. 100% offset account attached.
3.59%
3.99%
$0
$395 p.a.
95%
Get interest rate discounts and waived fees on this package loan with a 100% offset account. $500 cashback offer for first homebuyers borrowing over 80% and paying LMI.
3.99%
3.99%
$0
$0 p.a.
80%
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required. UBank will cut its variable rates for new and existing customers on June 28, making this rate even lower.
3.97%
4.28%
$0
$299 p.a.
80%
A competitive package rate for loans above $150,000. Optional 100% offset account.
3.69%
4.21%
$0
$10 monthly ($120 p.a.)
90%
Get a low discounted rate for 2 years plus a 100% offset account. And you can get the loan with a 10% deposit.
3.97%
3.99%
$0
$0 p.a.
80%
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
3.74%
5.21%
$300
$10 monthly ($120 p.a.)
80%
A flexible, competitive fixed rate loan that allows for extra repayments.
3.74%
4.13%
$0
$349 p.a.
90%
Package your loan with other AMP products and save on rates and fees.
3.99%
4.15%
$300
$10 monthly ($120 p.a.)
80%
Take advantage of a basic no-frills home loan with extra repayments and fee free redraw.
4.19%
4.22%
$0
$0 p.a.
90%
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
3.74%
3.74%
$0
$0 p.a.
70%
Investors with a 30% deposit can get this low rate loan to fund their property portfolio. Take advantage of split and redraw facilities.
3.64%
4.34%
$395
$0 p.a.
80%
Pay no ongoing fees on this investment loan fixed for 3 years.

Compare up to 4 providers

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Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

Logo for HSBC Home Value Loan - (Owner Occupier P&I)
HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.

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10 Responses

  1. Default Gravatar
    AmishMay 28, 2018

    Hi, I just want to ask that I want to buy a house and how your company works. I just need detail.

    • Avatarfinder Customer Care
      NikkiMay 28, 2018Staff

      Hi Amish,

      You can go and check the list of companies who can provide you a home loan in this guide. If you’ve found the home loan you want to apply, please contact the lender to discuss your eligibility or options.

      Alternatively, you can speak to a mortgage broker who can take account your circumstance and find a suitable loan for you.

      Hope this was helpful.

      Cheers,
      Nikki

  2. Default Gravatar
    KateAugust 4, 2015

    I have $140,000 savings. Im a single person with no dependants and want to use my savings plus a $120,000 loan to buy property. My annual income is $45,000 with no loans debts or credit cards . Can I borrow the $120,000 and what would be monthly repayments?

    • Avatarfinder Customer Care
      BelindaAugust 5, 2015Staff

      Hi Kate,

      Thanks for your enquiry.

      Please note that each lender will have different eligibility criteria that you’ll need to meet to qualify for one of their home loans, but ultimately they will review your ability to service the mortgage by reviewing your income, assets and any existing debts you have against your name.

      On this page you can use our home loan repayment calculator to estimate what your repayments would be and you can also compare a range of home loans in the comparison table to find one that suits your needs.

      Thanks,
      Belinda

  3. Default Gravatar
    annieMay 29, 2015

    Hi, we are looking at consolidating our debt’s 22k into our mortgage, 50k left on it, are many lenders keen to refinance to consolidate?

    • Avatarfinder Customer Care
      MarcMay 29, 2015Staff

      Hi Annie,
      thanks for the question.

      There are many lenders who allow you to do this. You can compare some of these lenders, and speak to an expert in debt consolidation by reading our guide. If you’d like to talk to an expert broker about this, click the ‘speak to a mortgage broker’ tab to begin a free discussion.

      Please let me know if you need any help with this.

      Marc.

  4. Default Gravatar
    HeidiApril 28, 2015

    I borrowed 45,000 how much taxes will I have to pay

    • Default Gravatar
      JodieMay 14, 2015

      Hi Heidi,

      Thank you for reaching out to finder.com.au, a financial comparison website.

      Taxes vary from state to state, please contact your local state revenue office or the Australian Taxation office to discuss your specific circumstances.

      Regards
      Jodie

  5. Default Gravatar
    julieJuly 31, 2014

    Hi , just a question and hope you can help. My partner was advised today from the broker who applied to liberty for a non genuine savings loan that they would only offer him a loan on a high interest rate due to his bank statements having late payments which can be explained ,I believe everything else was all good ,he is a first home buyer but isn’t applying due to myself being linked to him and as i have previously purchased he wont qualify. He is fifo and full time just over probation but same for max 6 yrs and has , his credit history is clear but did go bankrupt in 96 but has just reason if need be. It would be with great appreciation if you could assist .
    Thank you
    Julie and Alan

    • Avatarfinder Customer Care
      MarcAugust 1, 2014Staff

      Hi Julie,
      thanks for the question.

      I’d recommend contacting another mortgage broker with a large panel of lenders. If a mortgage broker doesn’t have a large panel of lenders to choose from it may result in you not getting the best loan for you.

      Be aware too that if you apply for too many home loans in one space in time it may be hard for you qualify for further home loans.

      I hope this helps,
      Marc.

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