Home Loan & Mortgage Calculators Australia 2026
Model your home loan repayments, state stamp duty concessions, borrowing power, and LMI options using updated RBA interest rate baselines and Australian bank criteria.
Explore Home Loans Calculators(12)
Mortgage Calculator
Borrowing power, repayments and refinance — modelled on current Australian lender criteria.
Stamp Duty Calculator
State-by-state transfer duty for all 8 Australian states — FHB concessions, FHOG & conveyancing. Updated 2026.
Borrowing Power Calculator
Assess how much an Australian bank will lend you for a home loan based on 2026 criteria.
Extra Mortgage Repayments Calculator
Calculate how extra repayments shorten your 30-year home loan and save tens of thousands in interest.
LMI (Lenders Mortgage Insurance) Estimator
Estimate Lenders Mortgage Insurance premiums for 5%, 10%, or 15% home loan deposits.
Mortgage Refinance Savings Calculator
Determine if switching home loan lenders saves money after discharge and application fees.
Rent vs Buy Home Calculator
Compare long-term wealth accumulation of home ownership vs renting.
Rental Yield & Investment Property Calculator
Evaluate investment property returns, gross rental yield, and cash flow after expenses.
Offset Account Savings Calculator
Australian 100% offset account calculator. Computes interest saved, the reduced loan term, and the effective after-tax return your offset balance earns against your mortgage rate.
Interest-Only Loan Reversion & Repayment Shock Calculator
Interest-only reversion calculator for Australian home loans. Shows the interest-only repayment, the higher P&I repayment after reversion, the payment shock, and extra interest paid.
First Home Guarantee (FHBG) Eligibility & Deposit Calculator
Australian First Home Guarantee calculator. Checks the state property price cap, the 5% deposit required, LMI saved through the government guarantee, and your resulting loan amount.
Home Equity Release & Usable Equity Calculator
Australian home equity calculator. Works out total and usable equity at 80% LVR, the amount available to release for a deposit or renovation, and the repayments on the increased loan.
Frequently Asked Questions
Does the stamp duty calculator cover first home buyer concessions?
Yes. Our stamp duty suite calculates transfer duty and first home buyer (FHB) concessions across all 8 Australian states and territories.