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Directory // 11 nodes

Property & Mortgage

Mortgage repayments, extra repayments, offset accounts, rate changes and refinancing on a reconciled repayment-by-repayment ledger, plus stamp duty, LVR, deposit and total buying-cost calculators from official state rate tables.

11 calculators, each with its working, assumptions, sources and limitations one tab away.

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Home Deposit CalculatorWork out the house deposit needed at your chosen loan-to-value ratio, plus the upfront costs you enter, with the savings gap and every step of the arithmetic.
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LVR CalculatorCalculate your loan-to-value ratio from a property value and loan amount, alongside the standard LVR bands Australian lenders reference. Full working shown.
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Affordability EstimateAn indicative borrowing range from your income, expenses and commitments under generic assumptions with an editable rate buffer. Not an offer or pre-approval.
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Stamp Duty CalculatorEstimate general transfer duty on a property purchase from official state revenue-office rate tables. Unsupported states are clearly blocked, never guessed.
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Property Buying Costs CalculatorUpfront costs of buying a house: transfer duty plus conveyancing, inspection, loan and registration fees for the total cash needed. Duty from official state tables.
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Mortgage Repayment CalculatorCalculate home loan repayments weekly, fortnightly or monthly, with a full amortisation schedule, total interest, payoff date and every assumption on show.
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Mortgage SimulatorRun a mortgage through dated rate changes, extra repayments, offset balances and fees on a scheduled ledger that reconciles on every single period.
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Extra Repayments CalculatorSee the interest and years saved by regular or one-off extra mortgage repayments, computed on a dated schedule rather than a shortcut formula. Working shown.
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Offset Account CalculatorModel an offset balance and regular deposits against your mortgage: interest saved, time saved and the cash that stays available, kept apart from principal.
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Rate Change CalculatorSee how a rate rise or cut changes your mortgage repayment and total interest, under either a keep-repayment or recalculate-to-term policy. Working shown.
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Refinance Break-Even CalculatorCompare your current home loan against a refinance offer on cumulative cash flows including switching costs, cashback timing and the residual balance.