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Calculators

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Use these tools for fast estimates, then get a real lender-fit recommendation based on your complete profile.

Borrowing Power, Quick Estimate

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

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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Borrowing Power Calculator

Serviceability estimate using Australian tax, living-expense floors, a 3.0% assessment buffer, and conservative policy guardrails.

Estimate

Up to $305,000

Educational estimate only. Final borrowing capacity depends on lender policy, full liabilities, and verified documentation.

Assessment rate used: 9.20%

Net monthly income (estimated after tax): $6,434

Living expenses used by calculator: $3,500

Minimum monthly surplus buffer: $300

Capacity available for loan servicing: $2,634 per month

Binding limit: Serviceability capacity ($305,549)

Loan Repayments Calculator

Amortisation benchmark using standard monthly compounding and Australian repayment conventions.

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.

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

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

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.

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