Free Tools

Run the numbers
before you talk to us.

Use our calculators to understand your borrowing power, repayments, and stamp duty — all in one place.

📈
Borrowing Power
Find out how much you could borrow based on your income, expenses, and current interest rates.
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🏠
Mortgage Repayments
Calculate your regular repayments for both principal & interest and interest-only structures.
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⚡
Extra Repayments
See how much time and interest you could save by paying a little extra each month.
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🏭
Stamp Duty
Estimate stamp duty, transfer fees and first home buyer grants for every state and territory.
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1Applicants
2Income
Your annual income
$
$
$
Annual average over 2 years
$
Annual average over 2 years
Other income (annual)
$
$
Avg taxable income, 2 years
$
$
3Monthly Expenses
$
Melbourne HEM for single ≈ $2,050/mo
$
$
Total limit, not balance
4Loan Parameters
%
Variable rates ~5.8–6.5%
Estimated borrowing power
You may be able to borrow up to
$0
Adjust inputs to see your estimate
Est. net monthly income–
Monthly commitments–
Assessment rate–
Est. monthly repayment–
Income used for loan0%
Estimate only. Actual borrowing capacity varies by lender, income structure and credit history.

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A broker assessment can often unlock 10–30% more than estimates — especially for complex incomes.

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1Loan Details
$
%
2Repayment Type
3Additional Options
$
Reduces interest charged
$
Application, valuation fees
Estimated repayment
Monthly repayment
$0
Adjust inputs to see your estimate
Total repaid–
Total interest paid–
Interest-to-loan ratio–
Estimate only. Rates and fees vary by lender.

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1Current Loan
$
%
2Extra Repayment
$
Your savings
Time saved off your loan
0 yrs
–
Standard repayment–
New repayment–
Standard loan end–
New loan end–
Interest without extra–
Interest with extra–
Interest saved–
Estimate only. Assumes consistent extra repayment and constant interest rate.

Already in your home?

Refinancing to a lower rate can save as much as extra repayments — without changing your lifestyle. Book a free review.

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1Property Details
$
2Buyer Details
Stamp duty estimate
Estimated stamp duty
$0
Victoria
Purchase price–
Stamp duty–
Grant / concession–
Net duty payable–
Total upfront cost–
Rates as at June 2025. Verify with your conveyancer or SRO before settlement.

Buying your first home?

We help first home buyers navigate grants, concessions and LMI waivers that many miss out on.

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Numbers looking good? Let's make it happen.

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