Calculators

Home loan calculators

Use these to get a feel for the numbers. A calculator is a planning guide, not a lender decision. Start the assessment when you want your numbers checked against real lender policy.

Borrowing Power Estimate

Adjust the inputs below and your indicative borrowing capacity updates instantly. Result is always visible, no sign-up required.

Annual incomePartner incomeMonthly expensesExisting monthly debtsIndicative rate (%)Dependants

Indicative borrowing capacity

Up to $305,000

Monthly capacity: $2,634 /mo
Assessment rate: 9.20%
Binding limit: Serviceability
Living expenses used: $3,500 /mo

Estimate only, not credit approval.

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Loan Repayments Calculator

Amortisation benchmark using standard monthly compounding and Australian repayment conventions.

Loan amountInterest rate (%)Loan term (years)Repayment type

Monthly repayment

$4,424

Weekly / Fortnightly

$1,021 / $2,042

Total interest over term: $892,811

Total repayments: $1,592,811

First month split: $633 principal / $3,792 interest

Rate sensitivity

If rates move +1.00%, repayment changes to $4,895 (+$470 / month).

Refinancing Savings Calculator

Compares current and proposed repayments over the same remaining term. Useful for first-pass strategy, not lender approval.

Current balanceCurrent rate (%)New rate (%)Remaining term (years)Estimated refinance costsAnalysis window (months)

Repayment delta / month

$308

Current $3,982 vs proposed $3,675

Total interest delta (full term)

$88,633

Window interest delta: $24,610

Total cost delta over window

$23,110

Window used: 60 months

Rate difference: 0.90%

Estimated refinance costs: $1,500

Saving after costs: $16,965

Total interest saved over remaining term: $88,633

Current total cost over window: $736,672

Proposed total cost over window (incl. costs): $713,562

Break-even after 5 months.

Assumptions version: 2026.02.au.v1

Educational use only. This calculator provides indicative estimates and is not a promise of approval, rate, or savings. It is not financial advice.

QLD Transfer Duty Calculator

An estimate for Queensland duty and registration fees using simplified concession logic.

Property purchase pricePurchase type

Duty before concessions: $21,675

Concession type: none

Concession amount: $0

Transfer duty payable: $21,675

Registration fee: $232

Government fees total: $21,907

Indicative funds needed

$86,907

Includes estimated 10% deposit plus government fees.

Educational estimate only. Duty schedules and concessions can change, and eligibility depends on contract details and Revenue QLD rules.

Calculator disclaimer

These calculators are provided for educational purposes only. They are estimates, not a promise of approval, loan terms, rates, savings, or borrowing capacity. They do not take your full personal circumstances into account and are not financial, legal, or tax advice.

Benchmarked using standard amortisation formulas and conservative serviceability assumptions.
Lender policy, liabilities, fees, and supporting evidence can materially change outcomes.
Use results as a guide only, then get a tailored assessment before making decisions.

Want your numbers checked against real lender policy?

A short assessment, then a Brisbane broker reads your answers and contacts you to agree a time to talk.

Take this to a conversation