Home Loan Calculator – Calculate Your
Repayments Instantly
Why Use Our Loan Calculator?
Plan Smarter, Borrow Better
Buying a home is one of the biggest financial decisions you’ll ever make. Our loan calculator helps you:
- Understand your monthly/fortnightly/weekly repayments.
- See how much total interest you’ll pay over the life of the loan.
- Compare loan scenarios with extra payments or offset accounts.
- Plan ahead with confidence before speaking to a lender.
How much I can borrow?
How to use the home loan borrowing power calculator
The borrowing power calculator gives you an estimate of how much you can borrow. It also gives you an indication of what your loan repayments might be.
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.
Subscribe To Our Newsletter
Stay in touch with us to get latest news and special offers.
📞
Call Us
✉️
Email Us
Copyright © 2025 Real Mortgage | Powered by Real Mortgage
Real Mortgage Pty Ltd is a corporate credit representative (542926) of Buyer’s Choice Pty Ltd ACN 626 172 281 (Australian Credit Licence 509484) | ABN: 92661197520