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Free home loan calculators

Use Finder's home loan calculators to figure out your mortgage repayments, LMI, borrowing capacity and more.

Before buying a home or getting a loan it's vital to use a calculator to understand your loan repayments. You can also use calculators to estimate your stamp duty costs, lenders mortgage insurance and other expenses, or to see how different loan features like offset accounts can save you money.

Use our home loan calculator to estimate repayments

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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Capital gains tax calculator

Coins falling in water.

Get an estimate of your capital gains tax (or loss).

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LMI calculator

Young first home buyers.

Estimate your LMI premiums.

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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.

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.

How to get the most out of our home loan calculators

Using these home loan calculators is easy. 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. If you're not sure about any specific number, use an estimated figure.

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.

Compare home loan options below

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest20% min. depositOwner-occupier
Interest Rate
5.99%
Comparison Rate
5.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$900
Go to site
Principal & Interest 3Y Fixed30% min. depositOwner-occupier
Interest Rate
6.25%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$925
Go to site
Principal & Interest10% min. depositOwner-occupierOffset account
Interest Rate
6.01%
Comparison Rate
6.14%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$902
Go to siteMore Info
Principal & Interest30% min. depositOwner-occupierOffset account
Interest Rate
5.99%
Comparison Rate
5.99%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$900
Go to site
Principal & Interest30% min. depositOwner-occupier
Interest Rate
6.29%
Comparison Rate
6.30%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$929
Go to site
$2,000 cashback
Refinancers borrowing $250,000 or more could get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest20% min. depositInvestment
Interest Rate
6.29%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$929
Go to site
Principal & Interest40% min. depositInvestmentOffset account
Interest Rate
6.34%
Comparison Rate
6.59%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$934
Go to site
Principal & Interest 3Y Fixed30% min. depositInvestment
Interest Rate
6.55%
Comparison Rate
6.42%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$954
Go to site
Principal & Interest40% min. depositOwner-occupier
Interest Rate
6.14%
Comparison Rate
6.16%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$914
Go to site
Principal & Interest 3Y Fixed20% min. depositOwner-occupier
Interest Rate
6.35%
Comparison Rate
6.26%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$935
Go to site
Principal & Interest20% min. depositOwner-occupier
Interest Rate
6.19%
Comparison Rate
6.21%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$919
Go to site
Principal & Interest40% min. depositInvestment
Interest Rate
6.34%
Comparison Rate
6.36%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$934
Go to site
Principal & Interest40% min. depositOwner-occupierOffset account
Interest Rate
6.14%
Comparison Rate
6.39%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$914
Go to site
Principal & Interest30% min. depositOwner-occupierOffset account
Interest Rate
6.14%
Comparison Rate
6.39%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$914
Go to site
Principal & Interest20% min. depositOwner-occupierOffset account
Interest Rate
6.19%
Comparison Rate
6.44%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$919
Go to site
Principal & Interest 3Y Fixed20% min. depositInvestment
Interest Rate
6.65%
Comparison Rate
6.53%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$964
Go to site
Principal & Interest20% min. depositInvestmentOffset account
Interest Rate
6.45%
Comparison Rate
6.70%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$945
Go to site
Principal & Interest20% min. depositInvestment
Interest Rate
6.45%
Comparison Rate
6.48%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$945
Go to site
Principal & InterestInterest only 3Y Fixed5% min. depositOwner-occupier
Interest Rate
5.48%
Comparison Rate
6.24%
Fees
Application: $250
Ongoing: $0 p.a.
Monthly Payment
$851
Principal & Interest 2Y Fixed30% min. depositInvestment
Interest Rate
6.49%
Comparison Rate
7.99%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$948
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Read more on this topic

  • Home Loan rate rise calculator

    Use our simple rate rise calculator to work out how much extra interest you have to pay when interest rates rise.

  • Lenders mortgage insurance (LMI) calculator

    Finder's simple, free LMI calculator can help you estimate your lenders mortgage insurance premiums.

  • Capital gains tax calculator

    Estimate your CGT when selling an investment property or other asset with Finder's simple capital gains tax calculator.

  • Comparison rate calculator

    The comparison rate represents the actual cost of a home loan by taking into account its interest rate and any additional fees charged by the lender.

  • Home equity calculator

    Home equity can help you access extra financing from lenders to spend on things like home renovations or investment properties. Find out how you can calculate the equity in your home.

  • Interest-only home loan calculator

    Estimate the cost of your repayments if you only pay the interest portion of your loan with an interest-only mortgage.

  • Calculate how long will it take to pay off my loan?

    Wondering 'how long will it take to pay off my loan?' Use our free calculator to see how long it will take to pay off your mortgage.

  • Lump sum repayment calculator

    Use a lump sum repayment calculator to see how much you can save in interest and fewer mortgage repayments. It's quick, free and easy to use.

  • Home loan extra repayment calculator

    Our extra loan repayment calculator helps you see how you could save big on interest. Free, fast and easy to use - calculate in 1 minute!

  • Mortgage repayment calculator

    Want to know how to calculate monthly repayments on your new mortgage? In five steps our free home loan repayment calculator crunches the numbers for you.

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10 Responses

    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.

      Default Gravatar
      NikkiMay 28, 2018

      Hi Amish,

      Thanks for reaching out to Finder.

      We are a product comparison website and general information service. If you are looking at buying a property in Australia, check our home buying guide to know the steps in buying a house as well as know your options to get funding. You can also check our tips on how to negotiate buying a house as well as the costs of buying a property.

      If you need a loan, you may refer to our list of home loans. You can use our comparison table to help you find the lender that suits you. You can also speak to a mortgage broker who can take your personal circumstance into account and offer you a range of borrowing options.

      Hope this was helpful.

      Cheers,
      Nikki

    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?

      Default Gravatar
      BelindaAugust 5, 2015

      Hi Kate,

      Thanks for your enquiry.

      Please note that each lender will have different eligibility criteria that you will 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.

      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.

      I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that’s more inclined to review your application.

      Thanks,
      Belinda

    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
      MarcMay 29, 2015Finder

      Hi Annie,

      Thanks for the question.

      There are many lenders who allow you to refinance your home loan to consolidate debt. Before doing so, you may talk to a mortgage broker to begin a free discussion. The page also provides a list of lenders that offer refinancing debt consolidation loans.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      Cheers,
      Marc

    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

    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
      MarcAugust 1, 2014Finder

      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 to qualify for further home loans.

      I hope this helps,
      Marc

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