Mortgages Calculators
32 free calculators in this category. Every result is worked out in your browser — nothing you type is sent anywhere.
Borrowing Power Calculator
Get an indicative estimate of how much you could borrow for a home loan in Australia based on income, expenses, existing debts and a lender assessment rate.
Open calculatorBreak Cost Estimate Calculator
Get a rough estimate of the break cost payable for exiting a fixed rate home loan early, based on the rate difference and time remaining.
Open calculatorBridging Loan Cost Calculator
Estimate the interest cost of a short-term bridging loan used to buy a new home before your existing property is sold.
Open calculatorComparison Rate Calculator
Estimate a home loan's comparison rate by spreading upfront and ongoing fees across the loan term alongside the advertised interest rate.
Open calculatorConstruction Loan Progress Payments Calculator
Estimate interest charged during a construction loan's build period based on staged progress payment drawdowns to your builder.
Open calculatorDeposit vs LMI Trade-off Calculator
Compare saving a bigger deposit against paying lenders mortgage insurance sooner, weighing the estimated LMI cost against extra time saving.
Open calculatorExtra Mortgage Repayment Calculator
See how much interest and how many years you save by adding extra repayments to your Australian home loan each month, on top of the standard schedule.
Open calculatorFixed vs Variable Mortgage Calculator
Compare a fixed-rate home loan against variable rate scenarios in Australia to see which could cost less under falling, flat or rising interest rates.
Open calculatorFortnightly vs Monthly Mortgage Calculator
See how switching Australian home loan repayments from monthly to genuine fortnightly instalments could shorten your loan term and cut total interest paid.
Open calculatorGuarantor Loan Calculator
See how much a family guarantee could reduce lenders mortgage insurance and the loan-to-value ratio on a home loan.
Open calculatorHome Deposit Calculator
Calculate the deposit you need for an Australian property purchase and how long your current savings plan will realistically take to get you there.
Open calculatorHome Loan Stress Test Calculator
Check how your mortgage repayment would change if interest rates rose, to see whether your budget could absorb a rate increase.
Open calculatorInterest Rate Rise Impact Calculator
See exactly how much extra you would need to repay each month or week if your mortgage interest rate increased by a set amount.
Open calculatorInterest-Only Mortgage Calculator
Compare interest-only home loan repayments with the higher principal-and-interest payments that follow, plus the extra total interest this structure costs.
Open calculatorLoan Establishment Cost Calculator
Total up the upfront establishment, valuation and settlement fees charged when setting up a new home loan.
Open calculatorLoan Top-Up Calculator
Work out the new repayment and total interest impact of topping up your existing mortgage to borrow additional funds.
Open calculatorLump Sum Mortgage Repayment Calculator
See how a one-off lump sum payment towards your mortgage reduces total interest and shortens your remaining loan term.
Open calculatorLVR Calculator
Calculate your loan-to-value ratio, current home equity and deposit percentage to see exactly where you sit against common Australian lender LVR bands.
Open calculatorMortgage Amortisation Calculator
Work out how a home loan balance reduces over time, showing the principal and interest split for each year of your mortgage term.
Open calculatorMortgage Calculator
Estimate principal-and-interest home loan repayments and total interest owed over the loan term at current Australian mortgage interest rates today.
Open calculatorMortgage Comparison Calculator
Compare up to three Australian home loans side by side, factoring in introductory rates, fees and extra repayments, to reveal the true total cost of each.
Open calculatorMortgage Interest Total Calculator
Calculate the total interest you will pay over the life of a mortgage based on the loan amount, interest rate and repayment term.
Open calculatorMortgage Offset Calculator
Estimate the interest and loan term you save by keeping surplus savings sitting in a 100% offset account linked to your Australian home loan balance.
Open calculatorMortgage Redraw Savings Calculator
Estimate the interest saved and time cut from your loan when you redraw or leave extra funds sitting against your mortgage balance.
Open calculatorMortgage Refinance Calculator
Compare your current home loan against a new lender's rate, factor in switching costs and find the exact break-even month for refinancing your mortgage.
Open calculatorMortgage Term Calculator
Find out how long it will take to repay your mortgage in full given your loan balance, interest rate and chosen repayment amount.
Open calculatorPrincipal vs Interest Split Calculator
See exactly how much of your next mortgage repayment goes towards paying down the principal versus covering interest charges.
Open calculatorRepayment Holiday Impact Calculator
Work out how much extra interest accrues and how much longer your loan takes to repay after a repayment pause or holiday.
Open calculatorReverse Mortgage Calculator
Project how a reverse mortgage balance grows over time as compounding interest accrues against your home equity without regular repayments.
Open calculatorServiceability Buffer Calculator
Estimate the repayment lenders use to assess your borrowing capacity by applying a serviceability buffer on top of the actual interest rate.
Open calculatorSplit Loan Calculator
Model an Australian home loan split between fixed and variable portions, showing each split's repayment, the combined repayment and total interest paid.
Open calculatorWeekly Mortgage Repayment Calculator
Convert your mortgage into weekly, fortnightly or monthly repayment figures to see what will actually leave your account each pay cycle.
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