Directory // 11 nodes

Property & Mortgage

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

Home Deposit CalculatorWork out the deposit needed for a property price at your chosen loan-to-value ratio, alongside the upfront costs you enter.

LVR CalculatorCalculate your loan-to-value ratio from a property value and loan amount, with the standard LVR bands lenders commonly reference.

Affordability EstimateAn indicative borrowing range from your income, expenses and commitments under generic assumptions with an editable rate buffer. Not pre-approval.

Stamp Duty CalculatorEstimate general transfer duty by state from official revenue-office rate tables, with unsupported states clearly blocked rather than guessed.

Property Buying Costs CalculatorAdd general transfer duty to your conveyancing, inspection and other upfront costs for a complete picture of the cash needed to buy.

Mortgage Repayment CalculatorEstimate mortgage repayments with a full amortisation schedule, interest totals, payoff date and every assumption shown, at weekly, fortnightly or monthly frequency.

Mortgage SimulatorSimulate a mortgage through dated rate changes, extra repayments, offset balances and fees on a scheduled ledger, with reconciliation on every period.

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.

Offset Account CalculatorModel an offset balance and regular deposits against your mortgage: interest saved, time saved and the cash that stays available, kept distinct from principal.

Rate Change CalculatorSee how a rate rise or cut changes your mortgage repayment and lifetime interest, under keep-repayment or recalculate-to-term policies.

Refinance Break-Even CalculatorCompare your current loan with a refinance offer on cumulative cash flows including switching costs, cashback timing and residual balances, never repayments alone.