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Home loan calculators and tools
Plan ahead with a home loan calculator and save thousands.
You can use the calculators on this page to determine the repayment costs of a home loan, your borrowing power, stamp duty costs and many other home loan costs. 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 our calculators provide estimates only.
Use our home loan calculator to estimate repayments for different loan terms
Or skip ahead to our other calculators
Loan repayment calculator
Choose between monthly, fortnightly or weekly payment frequencies, to calculate what your regular minimum repayments will be on your home loan.
How much can I borrow 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.
Extra repayment calculator
Calculate how much money you could save by making regular extra monthly repayments.
Stamp Duty Calculator
Avoid the confusion by using this calculator to work out how much stamp duty you will need to pay.
Split rate loan calculator
Work out how much you will or won’t save if you were to split your loan.
Use calculator
Property buying cost calculator
Work out how much you will need to cover other expenses like conveyancing fees and building inspection fees.
Other helpful calculators
 | Income tax calculatorUse 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. |
 | Calculate how much a honeymoon loan will save youThis 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 calculatorWith 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 calculatorThis calculator can tell you how much interest you’ll save and how much faster you can pay off your loan if you use an |
 | Reverse mortgage calculatorIf 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 loanThis 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 repaymentsThis calculator shows you the time and money saved by making fortnightly repayments. |
 | Remaining balance calculatorFind out what your remaining home loan balance will be in the future |
 | Property selling costs calculatorMake things easier by using this calculator to help determine how much money you’ll have in your pocket after you’ve sold your property. |
How to get the most out of our home loan calculators
Using these home loan calculators is easy and hassle-free. 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.
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.
Compare home loan options below
Rates last updated April 3rd, 2020
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Remaining balance calculator Calculate the remaining balance of your home loan so you can better plan ahead.
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Honeymoon introductory loan calculator Save money on interest payments by choosing a honeymoon introductory rate for your mortgage.
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Offset mortgage calculator Find out how much you could save with the finder.com.au offset mortgage calculator
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Lump sum repayment calculator Use a lump sum calculator to find out how much you can save in interest on your home loan over the life of the loan.
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Extra loan payments calculator: Speed up your home loan repayments One of the most important features a loan can offer you is the extra payments you can make in order to save big on interest.
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How much can I borrow calculator Get an estimate of how much you can borrow and be better prepared for your home loan search.
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How to calculate your home loan repayments In five steps our free and independent home loan repayment calculator tallies your minimum monthly, fortnightly or weekly mortgage repayments.
Home Loan Offers
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Ask an Expert
Hi, I just want to ask that I want to buy a house and how your company works. I just need detail.
Hi Amish,
You can go and check the list of companies who can provide you a home loan in this guide. If you’ve found the home loan you want to apply, please contact the lender to discuss your eligibility or options.
Alternatively, you can speak to a mortgage broker who can take account your circumstance and find a suitable loan for you.
Hope this was helpful.
Cheers,
Nikki
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?
Hi Kate,
Thanks for your enquiry.
Please note that each lender will have different eligibility criteria that you’ll 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.
On this page 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.
Thanks,
Belinda
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?
Hi Annie,
thanks for the question.
There are many lenders who allow you to do this. You can compare some of these lenders, and speak to an expert in debt consolidation by reading our guide. If you’d like to talk to an expert broker about this, click the ‘speak to a mortgage broker’ tab to begin a free discussion.
Please let me know if you need any help with this.
Marc.
I borrowed 45,000 how much taxes will I have to pay
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
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
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 qualify for further home loans.
I hope this helps,
Marc.