Calculators
Our Calculators
We provide a wide range of loan calculators that help you access the latest loan information, understand policies, and compare optimal rates and offers from banks and financial institutions
1. Home Loan Offset Calculator
See how much you can save with an offset account.
Calculate your potential savings and reduce the interest you pay on your home loan.
- Work out savings using your offset account
- See how interest charges are reduced
- Understand total yearly benefit
Open Home Loan Offset Calculator
Work out savings
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* Estimates only — contact a mortgage specialist for detailed advice.
2. Saving Calculator
Plan and track your savings growth over time.
Estimate how your money could grow with regular deposits and interest over months or years.
- Calculate future savings with regular contributions
- See the impact of different interest rates
- Understand how long it takes to reach your goal
Open Saving Calculator
Model your savings growth
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* Results are estimates only. Speak with a financial expert for tailored advice.
3. Income Tax Calculator
Estimate your income tax and net take-home pay.
Quickly calculate your income tax liability and understand how much you’ll take home after tax deductions.
- Estimate annual and monthly tax payable
- Calculate net salary after deductions
- Helps plan your budget effectively
Open Income Tax Calculator
Estimate your tax & take-home pay
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* Results are approximate only. For accurate advice, consult a tax professional.
4. Extra Repayment Calculator
See how extra repayments reduce interest and shorten your loan.
Model adding extra payments (weekly / monthly / one-off) to understand the time and interest saved on your mortgage.
- Compare payoff time with and without extra repayments
- See total interest saved from additional payments
- Test one-off vs regular extra contributions
Open Extra Repayment Calculator
Test extra repayments
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* Estimates only — for personalised advice speak with your mortgage specialist.
5. Property Buying Cost Calculator
Estimate the total costs of buying a property.
Understand the upfront expenses involved when purchasing a home, including stamp duty, legal fees, and other costs.
- Estimate stamp duty and government fees
- Factor in legal and lender charges
- See the total cost of purchase
Open Property Buying Cost Calculator
Estimate buying costs
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* This is a guide only. Costs may vary by lender and state. Speak to a property adviser for accurate details.
6. Reverse Mortgage Calculator
Estimate loan & available equity for older homeowners.
See approximate amounts you could access via a reverse mortgage and how interest affects your equity over time.
- Estimate lump-sum or regular advance amounts
- Understand interest accrual and equity impact
- Compare scenarios based on age, property value, and rate
Open Reverse Mortgage Calculator
Estimate loan & equity
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* Indicative results only — reverse mortgages have long-term implications. Seek specialist advice before proceeding.
7. Split Loan Calculator
Compare split loan structures (fixed vs variable).
See how splitting your loan between fixed and variable portions affects repayments, interest and flexibility.
- Model different split ratios (e.g., 50/50, 70/30)
- Compare repayment amounts for each portion
- Evaluate interest and flexibility trade-offs
Open Split Loan Calculator
Compare fixed & variable parts
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* Indicative results only. For personalised structuring, consult your mortgage specialist.
8. Lump Sum Repayment Calculator
Model the impact of a lump sum repayment on your loan.
See how making a one-time extra payment reduces your balance, interest cost, or loan term.
- Enter a lump sum amount and timing
- Compare remaining balance, interest or term saved
- Test multiple scenarios easily
Open Lump Sum Repayment Calculator
Test lump sum payments
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* Estimates only. Speak with your lender or financial advisor before acting.
8. Rent vs Buy Calculator
Compare the cost of renting vs buying over time.
See whether renting or buying is more economical based on price trends, loan costs and rental growth.
- Input property price, rent, loan details
- Compare total costs over years
- See break-even point between buying vs renting
Open Rent vs Buy Calculator
Compare rent & purchase costs
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* Based on estimates. Real outcomes depend on your circumstances, market & financing.
9. Interest-Only Mortgage Calculator
Estimate repayments & interest for interest-only loans.
See what your payments would be if you only paid interest for a period, and compare with principal & interest options.
- Calculate interest-only repayments
- Compare interest vs principal & interest costs
- Model different interest-only terms
Open Interest-Only Mortgage Calculator
Estimate IO payments
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* Indicative only — real costs depend on your loan and rate. Consult your lender for details.
FAQ's
We help with home loans, refinancing, investment property finance, business & asset finance, personal loans, and specialised lending for self-employed borrowers. We compare products across multiple lenders to find the right rate and features for your situation — book a quick chat to get started.
Borrowing capacity depends on your income, living expenses, existing debts and the loan features you choose. Use our “How much can I borrow?” calculator for a fast estimate, then send your numbers to us for a personalised assessment.
Common documents include proof of identity, recent payslips or BAS (for self-employed), bank statements, details of existing debts and proof of savings/deposit. We’ll send a tailored checklist once you tell us your loan type — that makes the process fast and smooth.
A simple pre-approval or estimate can be done in 24–72 hours; formal approval depends on the lender and your documentation (typically 1–4 weeks). We manage the paperwork and follow up with the lender so you get a faster outcome.
Refinancing can save money if you can get a lower rate, better features, or release equity for investment/renovations — but fees and break costs matter. Book a free review and we’ll run a cost/benefit analysis specific to your loan and goals.
Most home loans arranged through brokers are paid by the lender (no direct broker fee), but some specialist loans or commercial finance might have fees — we’ll always disclose any costs up front and outline who pays what before you proceed.
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