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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.

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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 27
$
years
Name Product Interest Rate (p.a.) Comp. Rate p.a. Fees Monthly Payment

Ubank Neat Variable Home Loan P&IHome≥ 40% Deposit

Ubank Neat Variable Home Loan
2.64%
2.65%
  • App: $0
  • Ongoing: $0 p.a.
$605
Get flexibility and the option to make unlimited extra repayments with this variable rate loan.

loans.com.au Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit

loans.com.au Smart Booster Discount Variable Home Loan
2.60%
2.96%
  • App: $0
  • Ongoing: $0 p.a.
$602
Get a low discounted variable rate loan. Requires a 20% deposit. Get your loan processed fast and settle within 30 days.

Unloan Variable Home Loan P&IHome≥ 20% Deposit Refinancers only

Unloan Variable Home Loan
2.64%
2.56%
  • App: $0
  • Ongoing: $0 p.a.
$605
A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.

IMB Budget Home Loan P&IHome≥ 20% Deposit

IMB Budget Home Loan
2.84%
2.85%
  • App: $449
  • Ongoing: $0 p.a.
$621
A low-rate, no-frills home loan for borrowers with a good deposit and unrestricted repayments. $0 application fee for eligible borrowers with principal-and-interest repayments and deposits of at least 20%.

Greater Bank Great Rate Discount Variable with Family Pledge Home Loan P&IHome≥ -10% Deposit

Greater Bank Great Rate Discount Variable with Family Pledge Home Loan
2.79%
2.80%
  • App: $0
  • Ongoing: $0 p.a.
$617
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, QLD and ACT only.

Athena Variable Home Loan P&IHome≥ 40% Deposit

Athena Variable Home  Loan
2.64%
2.64%
  • App: $0
  • Ongoing: $0 p.a.
$605
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.

Macquarie Bank Basic Home Loan P&IHome≥ 40% Deposit

Macquarie Bank Basic Home Loan
2.84%
2.84%
  • App: $0
  • Ongoing: $0 p.a.
$621
This flexible variable rate loan requires a 40% deposit or equity. Get fast online approval and $0 application fee and $0 ongoing fees.

HSBC Home Value Loan P&IHome≥ 30% Deposit

HSBC Home Value Loan
2.77%
2.78%
  • App: $0
  • Ongoing: $0 p.a.
$616
$3,288 refinance cashback offer
This competitive variable rate loan is available for borrowers with 30% deposits. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

loans.com.au Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit

loans.com.au Smart Booster Discount Variable Home Loan
2.74%
3.22%
  • App: $0
  • Ongoing: $0 p.a.
$613
Home buyers can get a very low discounted variable rate for the first year. Requires a 20% deposit. Add an offset sub-account for an additional 0.10% on your interest rate. Get your loan processed fast and settle within 30 days.

Unloan Variable Home Loan P&IInvestment≥ 20% Deposit Refinancers only

Unloan Variable Home Loan
2.94%
2.86%
  • App: $0
  • Ongoing: $0 p.a.
$629
Investors can get a low variable rate. Apply online and get fast approval. Backed by the Commonwealth Bank.

loans.com.au Green Home Loan IOHome≥ 10% Deposit

loans.com.au Green Home Loan
2.63%
3.08%
  • App: $0
  • Ongoing: $0 p.a.
$604
Construction loan. This loan is available for borrowers building a home with a NatHERS rating of 7.0 or higher. A competitive variable rate construction loan available to build an energy-efficient home.

Ubank Neat Variable Home Loan P&IHome≥ 20% Deposit

Ubank Neat Variable Home Loan
2.84%
2.86%
  • App: $0
  • Ongoing: $0 p.a.
$621
A competitive variable rate loan that comes with a 100% offset account. 20% deposit required.

Macquarie Bank Basic Fixed Home Loan P&IHome 3Y Fixed≥ 30% Deposit

Macquarie Bank Basic Fixed Home Loan
6.05%
3.65%
  • App: $0
  • Ongoing: $0 p.a.
$906
Get a variable rate mortgage with flexible, basic features. $0 application fee and $0 ongoing fees. Requires a 30% deposit. Apply online and get fast approval.

Athena Variable Home Loan P&IHome≥ 30% Deposit

Athena Variable Home  Loan
2.69%
2.66%
  • App: $0
  • Ongoing: $0 p.a.
$609
A low variable rate for owner occupiers with 30% deposits. No upfront or ongoing fees.

HSBC Home Value Loan P&IInvestment≥ 30% Deposit

HSBC Home Value Loan
2.92%
2.93%
  • App: $0
  • Ongoing: $0 p.a.
$628
$3,288 refinance cashback offer
This variable rate loan is available for property investors with 30% deposits. This loan has very few fees. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

loans.com.au Green Home Loan P&IHome≥ 10% Deposit

loans.com.au Green Home Loan
2.63%
3.05%
  • App: $0
  • Ongoing: $0 p.a.
$604
This loan is only available for borrowers buying a property with a NatHERS energy efficiency rating of 7.0 or higher. Buying a green home? Get a competitive, discounted variable rate and borrow up to 90%.

Athena Variable Home Loan IOHome≥ 30% Deposit

Athena Variable Home  Loan
3.59%
3.01%
  • App: $0
  • Ongoing: $0 p.a.
$683
A variable loan with interest-only repayments for owner-occupiers with 30% deposits. This loan has no fees.

Athena Variable Home Loan IOInvestment≥ 30% Deposit

Athena Variable Home  Loan
3.24%
3.06%
  • App: $0
  • Ongoing: $0 p.a.
$654
Investors with 30% deposits can get this fee-free variable rate loan. This loan has interest-only repayments.

Macquarie Bank Offset Home Loan Package P&IHome≥ 40% Deposit

Macquarie Bank Offset Home Loan Package
2.84%
3.11%
  • App: $0
  • Ongoing: $248 p.a.
$621
A variable rate loan for borrowers with 40% deposits or refinancers with equity in their properties. This loan has an offset account. Fast online application. $0 application fee and $0 ongoing fees.

Macquarie Bank Basic Fixed Home Loan P&IHome 3Y Fixed≥ 20% Deposit

Macquarie Bank Basic Fixed Home Loan
6.09%
3.70%
  • App: $0
  • Ongoing: $0 p.a.
$909
Basic fixed rate home loan. Fast online application. $0 application fee and $0 ongoing fees.
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Applications are subject to approval. Conditions, fees and charges apply. Please note that you need to be an Australian citizen or permanent resident to apply.

Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit services for Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 (“Aussie”) and its appointed credit representatives. Aussie is a trade mark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2020 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

By submitting this form, you agree to the Aussie privacy policy.

After entering your details a mortgage broker from Aussie will call you. They will discuss your situation and help you find a suitable loan.

  • A comparison of home loans from multiple lenders.
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  • Free suburb and property reports.

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  • 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.

  • Home Loan Eligibility Calculator

    Check out our home loan borrowing power calculator to see if you'll be able to afford the loan you want.

  • 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.

  • House deposit calculator – how much do you need?

    Home loan deposit calculator - wondering 'how much deposit do i need to buy a house'? Calculator estimates from Finder give you a personal answer in minutes.

  • Fortnightly payment calculator

    With a fortnightly mortgage repayment instead of monthly, you could save thousands. Use our fortnightly payment calculator for home loans and save.

  • Offset calculator

    An offset account calculator can help you estimate the savings of a 100% home loan offset. Calculate your savings and compare 100% offset home loans today.

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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.

    • 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

  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?

    • 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

  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 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

  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 to qualify for further home loans.

      I hope this helps,
      Marc

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