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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.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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

1 - 20 of 40
$
years
Name Product Comparison Rate Fees Monthly Payment

Ubank Neat Variable Home Loan
Principal & interestOwner-occupier40% min. deposit
Principal & interestOwner-occupier40% min. deposit
Interest Rate
3.64%
3.66%
  • Application: $0
  • Ongoing: $0 p.a.
$687

Unloan Variable Home Loan
Principal & interestOwner-occupier20% min. deposit Refinancers only
Principal & interestOwner-occupier20% min. deposit Refinancers only
Interest Rate
3.14%
3.06%
  • Application: $0
  • Ongoing: $0 p.a.
$645

loans.com.au Variable Home Loan
Principal & interestOwner-occupier30% min. deposit
Principal & interestOwner-occupier30% min. deposit
Interest Rate
3.10%
3.12%
  • Application: $0
  • Ongoing: $0 p.a.
$642

Yard Variable Home Loan
Principal & interestOwner-occupier20% min. deposit PAYG
Principal & interestOwner-occupier20% min. deposit PAYG
Interest Rate
3.29%
3.33%
  • Application: $0
  • Ongoing: $0 p.a.
$658

loans.com.au Smart Booster Discount Variable Home Loan
Principal & interestOwner-occupier20% min. deposit
Principal & interestOwner-occupier20% min. deposit
Interest Rate
3.60%
3.96%
  • Application: $0
  • Ongoing: $0 p.a.
$684

Tic:Toc Live in Loan Variable Rate
Principal & interestOwner-occupier10% min. deposit
Principal & interestOwner-occupier10% min. deposit
Interest Rate
3.09%
3.10%
  • Application: $0
  • Ongoing: $0 p.a.
$641

Macquarie Bank Basic Home Loan
Principal & interestOwner-occupier40% min. deposit
Principal & interestOwner-occupier40% min. deposit
Interest Rate
3.69%
3.69%
  • Application: $0
  • Ongoing: $0 p.a.
$691

IMB Budget Home Loan
Principal & interestOwner-occupier20% min. deposit
Principal & interestOwner-occupier20% min. deposit
Interest Rate
3.74%
3.75%
  • Application: $449
  • Ongoing: $0 p.a.
$695

Unloan Variable Home Loan
Principal & interestInvestment20% min. deposit Refinancers only
Principal & interestInvestment20% min. deposit Refinancers only
Interest Rate
3.44%
3.36%
  • Application: $0
  • Ongoing: $0 p.a.
$670

Ubank Neat Variable Home Loan
Principal & interestOwner-occupier20% min. deposit
Principal & interestOwner-occupier20% min. deposit
Interest Rate
3.84%
3.86%
  • Application: $0
  • Ongoing: $0 p.a.
$704

Greater Bank Great Rate Discount Variable with Family Pledge Home Loan
Principal & interestOwner-occupier-10% min. deposit
Principal & interestOwner-occupier-10% min. deposit
Interest Rate
3.79%
3.80%
  • Application: $0
  • Ongoing: $0 p.a.
$700

HSBC Home Value Loan
Principal & interestOwner-occupier30% min. deposit
Principal & interestOwner-occupier30% min. deposit
Interest Rate
3.27%
3.28%
  • Application: $0
  • Ongoing: $0 p.a.
$656
$3,288 refinance cashback offer
Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

Great Southern Bank Basic Variable
Principal & interestOwner-occupier
Principal & interestOwner-occupier
Interest Rate
3.64%
3.69%
  • Application: $600
  • Ongoing: $0 p.a.
$687

Athena Variable Home Loan
Principal & interestOwner-occupier40% min. deposit
Principal & interestOwner-occupier40% min. deposit
Interest Rate
3.79%
3.79%
  • Application: $0
  • Ongoing: $0 p.a.
$700

homeloans.com.au Low Rate Home Loan with Offset
Principal & interestOwner-occupier40% min. deposit
Principal & interestOwner-occupier40% min. deposit
Interest Rate
3.14%
3.14%
  • Application: $0
  • Ongoing: $0 p.a.
$645

G&C Mutual Bank Momentum Home Loan
★ Finder award ★Principal & interestOwner-occupier40% min. deposit
★ Finder award ★Principal & interestOwner-occupier40% min. deposit
Interest Rate
3.24%
3.26%
  • Application: $0
  • Ongoing: $0 p.a.
$654

Ubank Own Variable Home Loan
Principal & interestOwner-occupier30% min. deposit
Principal & interestOwner-occupier30% min. deposit
Interest Rate
3.94%
4.20%
  • Application: $0
  • Ongoing: $250 p.a.
$712

loans.com.au Green Home Loan
Interest onlyOwner-occupier10% min. deposit
Interest onlyOwner-occupier10% min. deposit
Interest Rate
3.63%
4.08%
  • Application: $0
  • Ongoing: $0 p.a.
$686

Yard Variable Home Loan
Principal & interestInvestment20% min. deposit PAYG
Principal & interestInvestment20% min. deposit PAYG
Interest Rate
3.64%
3.68%
  • Application: $0
  • Ongoing: $0 p.a.
$687

Tic:Toc Live-in Loan Fixed Rate Home Loan
Principal & interestOwner-occupier 1Y Fixed10% min. deposit
Principal & interestOwner-occupier 1Y Fixed10% min. deposit
Interest Rate
4.59%
3.28%
  • Application: $0
  • Ongoing: $0 p.a.
$770