Home Loan Calculators and Tools

Plan ahead with a home loan calculator and save thousands

Welcome to our free home loan calculator section. Here you can find out how much your repayments would be on a home loan, and find out how much you might be able to borrow. 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 calculators provide estimates only.

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

Or skip ahead to our other 17 calculators

Other helpful calculators

	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.
	Property buying cost calculator This calculator will tell you how much you will need to cover other expenses like conveyancing fees and building inspection fees.
	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.
	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 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 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.
	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.
	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 Find out what your remaining home loan balance will be in the future
	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.

Get the most out of a calculator with these tips

Using these calculators is easy and hassle-free. Taking a few minutes to type in a few numbers can make a world of difference when dealing with your mortgage finances.

Most of the loans will require you to type in how much your mortgage is, the interest rate and term of the loan, and the monthly repayments. 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.

You will need to enter the loan amount, interest rate, loan term, payment frequency and type of loan. Once you’ve entered this information, it will show your minimum monthly, fortnightly or weekly repayment (depending on which option you selected). It will also show the total amount of interest that will accumulate over the life of the loan, and the total payment amount including interest.

You can change the payment frequency and loan term to determine which options will save you more money in the long run.

When choosing to buy or sell property, it’s important to be well informed about what you will need to pay, so you can plan ahead and avoid any surprise expenses. With our free calculators including a loan repayment calculator, stamp duty calculator and loan comparison calculator, you can take the stress out of finding a home loan that’s right for you.