Free tools

Run the numbers in seconds.

Ballpark figures you can trust — then let a real broker turn them into a lender-checked plan.

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Borrowing power

A quick read on your ceiling from income, deposit and living expenses.

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Repayments

Weekly, fortnightly or monthly — plus the effect of extra repayments and an offset.

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Stamp duty

Indicative transfer duty by state, including first-home concessions.

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Save thousands

Refinance assessment

Monthly saving, payoff time, break-even on once-off costs like LMI or cashbacks, and the total impact of switching.

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Savings goal

See when you will hit your deposit target and what the interest adds.

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Rent vs Own

Owner equity versus renter wealth over the years you choose.

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New

Building cashflow

Construction draws down in stages — see the interest month by month.

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New — 2026 rules

New vs established

New house & land vs established: stamp duty, tax and after-tax cashflow.

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Calculators provide indicative estimates only and are not financial, tax or credit advice, nor a loan offer. Figures depend on lender policies, government rules current at the time, and your full circumstances. Stamp duty, tax and negative-gearing figures are approximations and may not reflect recent changes or concessions you're eligible for — always confirm before acting.