Finder’s home loan calculators

Figure out your home loan repayments, LMI, borrowing capacity and all the other fun home ownership stuff.

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Richard Whitten

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4.7 based on 830 reviews

Key takeaways

  • Finder's home loan calculators let you estimate your home buying costs.
  • You can calculate your home loan repayments based on your interest rate and other factors.
  • You can also estimate stamp duty, lenders mortgage insurance and many more property buying costs.

Use our home loan calculator to estimate repayments

Home loan repayment calculators

There are many ways to calculate home loan repayments, especially if you want to repay your loan faster via extra repayments or using an offset account.

Loan repayment calculator

Enter your loan amount, interest rate and loan term to calculate your mortgage repayments.
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Extra repayment calculator

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

Work out how much you can save by making large lump sum payments
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Offset 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.
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How much can you borrow?

Borrowing power calculator

Estimate how much you can borrow (this will differ from lender to lender)
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Buying cost calculators

Don't forget about taxes like stamp duty, and lenders mortgage insurance if your deposit is below 20%.

Stamp Duty Calculator

Use this calculator to work out how much stamp duty you will need to pay in your state.
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LMI calculator

Estimate your lenders mortgage insurance (LMI) premiums.
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More useful property calculators

Switching cost calculator

Find out if refinancing to another home loan will save you money.
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Capital gains tax calculator

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

If you're thinking about your retirement, this calculator will estimate how much money you can borrow from your property.
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How long will it take to repay your loan?

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

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

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

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.

Richard Whitten's headshot
Senior Money Editor
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Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 754 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips
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10 Responses

    Amish's avatar
    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.

      Nikki Angco's avatar
      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

    Kate's avatar
    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?

      Belinda Punshon's avatar
      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

    annie's avatar
    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?

      Marc Terrano's headshotFinder
      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

    Heidi's avatar
    HeidiApril 28, 2015

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

      Jodie Humphries's avatar
      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

    julie's avatar
    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

      Marc Terrano's headshotFinder
      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

Read more on Home Loan Calculators

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  • 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 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.
  • Fortnightly home loan repayment 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.
  • Home loan lump sum 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.
  • Extra mortgage 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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