Calculators
Run the numbers before anyone runs them for you
Three calculators, current-market defaults, honest assumptions. Get your headline figure instantly - unlock the full breakdown and an emailed copy whenever you're ready.
Calculator 01
Loan repayment calculator
What a loan really costs per month, fortnight or week - defaulting to today's sharpest advertised big-bank rate, not a stale example rate.
Defaults to 6.09% - the sharpest big-bank advertised variable rate at 4.35% cash rate (as at July 2026).
Estimated repayments
/ month
A rate just 0.5% lower would save around $2,488 a year on this loan. That's what we negotiate for.
Calculator 02
Borrowing power calculator
A realistic estimate of what lenders will actually offer, including the 3% APRA serviceability buffer and the hidden cost of credit card limits.
Groceries, utilities, insurance, transport - excluding rent you'll stop paying.
You could borrow up to*
Assessed at 9.09% p.a. - today's sharpest big-bank variable rate plus the 3% APRA serviceability buffer every lender must apply.
Calculator 03
Stamp duty estimator
Transfer duty, registration fees and LMI estimates for every Australian state and territory - with NSW first home buyer concessions built in.
Estimated stamp duty (NSW)
Calculator results are estimates for general information only and are not an offer of credit, a quote or a recommendation. Information on this website is general in nature and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you before acting on it. For figures you can rely on, get a free assessment from a licensed broker.
Want numbers a lender will actually honour?
Calculators estimate. Brokers verify. A free assessment gives you real borrowing power and real rates across 40+ lenders.