FREE Home Loan Calculator | Estimate Payments
& Affordability + More Tools

Buying a home is an exciting adventure, but it’s also important to be financially prepared and that’s where our home loan calculator comes in handy. We have provided you with our free online mortgage calculators to give you some tools you can use wherever you are.

On this page, you’ll find the tools you need to begin estimating your borrowing power with our home loan calculator. You’ll also be able to calculate potential savings with the extra home loan repayment calculator. And don’t forget the ongoing costs once you have a home loan! You can use our property fees calculator to get a head start on budgeting for those essential expenses. Let’s turn your dream home into a reality, one smart calculation at a time!

While these property cost calculator tools can be highly useful as a first step, we do recommend chatting with a North Brisbane Home Loans mortgage broker for expert advice tailored to suit your personal situation.

If you are ready to chat with a mortgage broker, go ahead and schedule a FREE appointment with us and we can discuss your circumstances, your goals and the next steps.

Ever dreamt of owning your own place? This free home loan calculator above (also known as a mortgage calculator or loan repayment calculator) is your first step towards turning that dream into reality. Not only does it give you a snapshot of your potential home loan, but it answers the burning question many home buyers have: What is my borrowing capacity?

Why Use Our Home Loan Calculator?

Empowerment: Feel confident by estimating your borrowing power before talking to lenders or brokers.
Information is Power: Gain valuable insights into your potential monthly repayments, helping you budget effectively and understand where you are at right now with your savings and income.
Quick & Easy: Use the calculator anywhere, any time to get a preliminary sense of your affordability.

How Does It Work?

Simply enter some basic information in the fields including your income (and your partners if it will be a joint home loan application), expenses, loan term, interest rate (you can estimate this or use a current market rate) and the number of dependents you have. The calculator will then provide an approximation of your maximum borrowing power and your potential monthly mortgage repayments.

Important Considerations

While this calculator is a valuable tool, it’s important to remember it provides an estimate. Several factors can influence your actual borrowing power, including your credit score, specific loan product chosen and lender policies.

Imagine paying off your home loan faster and saving thousands in interest! That’s the magic of our extra repayments calculator, a powerful tool that can also be called a mortgage repayment calculator, loan repayment calculator or home loan repayment calculator.

Why Use the Extra Repayments Calculator?

• Save Big: See the potential impact of making extra repayments on your total loan amount and the amount of interest saved, giving you a clearer picture of your financial future.
• Fast Track Freedom: Discover how much sooner you could be mortgage-free by putting extra money towards your home loan. This home loan calculator with extra repayment functionality helps you visualise any scenario you’d like to test.
• Strategic Planning: Use the calculator to create a personalised plan for accelerated repayments that fits your budget. This empowers you to make informed decisions about your money and household budget.

How Does It Work?

You can input your current loan details like loan amount, interest rate and loan term. Then, enter the extra amount you’d like to pay and how often you’d like to pay it (weekly, monthly, etc.). The calculator will then show you a breakdown of your potential savings, including the total amount you’d pay off over time, the total interest saved and the number of years you could shave off your loan term.

Keep in Mind Its Limitations

This calculator provides an estimate, and there may be limitations on additional repayments depending on your specific loan product and changing interest rates.

So you’ve used our home loan calculator to estimate your borrowing power. But what about the additional expenses that come with buying a property?

That’s where our property fees calculator comes in! This handy tool helps you estimate the government fees associated with your property purchase.

Why Use the Property Fees Calculator?

• Plan Your Budget Accurately: Get a clear picture of the upfront costs beyond your mortgage repayments (calculated with a home loan repayment calculator) with this essential tool.
• State-Specific Insights: Tailored to your location in Australia, the calculator provides an estimate of relevant fees based on your state or territory.
• Informed Decisions: Knowing the potential government fees allows you to make informed financial decisions throughout the home-buying process.

How Does It Work?

Simply input some key details about your property purchase:

• State/Territory
• Purchase Price
• Property Purpose (Investment or Owner-Occupied)
• Security Type (New Home, Established Home, Vacant Land)
• Transaction Type (Purchase or Refinance)
• Additional Considerations (Home Buyer Concession, Primary Residence, Foreign Buyer)

The calculator will then estimate your total government fees, including a breakdown of:

• Purchase Stamp Duty
• Transfer Fee
• Mortgage Registration Fee

Important Considerations

Please note that this calculator provides an estimate only. Actual fees may vary depending on specific circumstances and individual lender requirements.