01
Interest rate
A small change in your interest rate can make a meaningful difference to repayments over the life of a loan.
AUSTRALIAN PROPERTY CALCULATORS
Everything you need before you buy.
Choose a calculator below. Results are estimates only and should be confirmed with the relevant government office, lender or tax professional.
Estimates only — rates and rules can change
This calculator provides estimates for general information purposes only. Interest rates, government charges, stamp duty, land tax thresholds, concessions, tax rates and eligibility requirements can change. Results may also vary depending on your individual circumstances and the rules that apply on the relevant contract, settlement or assessment date.
Always confirm the result with the relevant government authority, lender, accountant, conveyancer or other qualified professional before making a financial decision.
P&I REPAYMENTS
Know your monthly cost.
Estimate principal and interest repayments, total interest and LVR.
P&I SUMMARY
Estimated repayment
$0/ month
Total interest$0
Total repayments$0
Interest saved$0
Term saved0 months
Principal vs interest0% interest
BORROWING POWER
Find a realistic borrowing ceiling.
This simplified servicing model uses an assessment-rate buffer and common expense assumptions.
BORROWING POWER SUMMARY
Estimated servicing ceiling
$0
Gross household income$0
Net monthly income (estimate)$0
Assessment repayment$0
Monthly buffer$0
Indicative only. Actual lender servicing differs by HEM, tax treatment, rental income shading, dependants, debts and policy.
STAMP DUTY
Estimate transfer duty for your state.
Includes a simplified state-by-state duty model and common first-home concessions.
STAMP DUTY SUMMARY
Estimated transfer duty
$0
Base duty$0
Foreign surcharge$0
First-home concession$0
Estimated cash needed$0
Approximate illustration. State rules, thresholds, dates and eligibility tests change. Confirm with the relevant state revenue office and conveyancer.
Estimated LVR
—
Extra Repayment Calculator
See how additional monthly repayments and a one-off lump sum could reduce your loan term and interest.
%
years
$
Additional amount paid each month.
$
Optional one-off payment.
months
0 means the extra repayment starts immediately.
months
0 means no lump sum is applied.
Estimated savings
Comparison between the original loan and your extra repayment strategy.
Interest saved
$0
Time saved
0 months
Original total interest
$0
New total interest
$0
New loan term
0 months
Your extra repayments could reduce your loan term
and total interest.
This is an estimate based on the interest rate, loan term and repayment assumptions entered above. Actual results will vary if your interest rate, repayments or loan conditions change.
Estimate only
This calculation assumes the interest rate and repayment conditions remain unchanged for the duration of the loan. Actual loan outcomes may differ.
INTEREST ONLY
See the IO period and P&I jump.
IO LOAN SUMMARY
Cashflow during IO
$0/ month interest-only
P&I payment after IO$0
IO interest paid$0
Balance after IO$0
Remaining P&I term0 years
IO VS P&I
Compare the full cost.
IO VS P&I COMPARISON
Side-by-side cost
P&I
$0monthly repayment$0total interestIO → P&I
$0IO monthly payment$0total interestEstimated after-tax interest difference$0
INVESTMENT TAX DEDUCTIONS
Estimate your property tax impact.
Illustrative calculation using a simplified resident marginal-rate model.
TAX DEDUCTION SUMMARY
Annual property tax effect.
$0deductible costs
Annual loan interest$0
Net rental position$0
Estimated tax saving$0
Cashflow after tax$0
Tax rules are complex and this does not account for Medicare levy, offsets, ownership structures, capital gains or individual circumstances.
LAND TAX
Estimate annual land tax.
Use the site/unimproved land value from the relevant valuation or rates notice, not the purchase price.
LAND TAX RESULT
Estimated annual land tax
$0/ year
StateNSW
Threshold used$0
Taxable land value$0
Top rate used0%
Simplified estimate. State thresholds, aggregation, trust rules, foreign surcharges and principal-place-of-residence exemptions can materially change the result.
FULL AMORTISATION
Generate your loan schedule.
AMORTISATION SCHEDULE
Month-by-month breakdown.
$0/ month
Total interest$0
Total paid$0
Months0
Starting balance$0
SCHEDULE
Running balance and interest.
| Month | Type | Payment | Principal | Interest | Balance | Cum. Interest |
|---|
UNDERSTAND YOUR RESULT
A number is useful. A strategy is better.
Your repayment estimate is only one part of the picture. A broker can help you consider rates, loan structure, fees, deposit, lender policies and your broader financial goals.
02
LVR
LVR compares the amount you borrow with the value of the property and can affect available lending options.
03
Loan term
A longer loan term can reduce each repayment but may increase the total interest paid over time.
04
Extra repayments
Paying extra can reduce the balance faster and potentially reduce the interest paid over the life of the loan.
WANT A MORE PERSONAL ANSWER?
Let's turn your estimate into a plan.
Your calculator result is a starting point. We'll help you understand what may be possible based on your individual circumstances.
CALCULATOR FAQ
Before you rely on the numbers.
The calculator provides an estimate based on the information you enter. Actual repayments may differ because of the lender, interest rate, loan features, fees and individual circumstances.
LVR stands for Loan-to-Value Ratio. It is the amount you borrow expressed as a percentage of the property's value.
Yes. Use the Stamp Duty and Land Tax calculators above for separate estimates of government charges. Other purchase costs such as conveyancing, inspections, registration and lender fees are not included.
Not by itself. Borrowing capacity depends on income, existing commitments, living expenses, dependants, assets, liabilities and lender assessment criteria.