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Check your borrowing power, how much equity you could cash out, your repayments and more! Simple calculators whenever you need them.

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What is my borrowing power?

Borrowing Capacity Calculator

Income gross annual

Enter each applicant's gross annual salary before tax. Tax is calculated separately for each applicant so your combined net income is accurate.
70% of gross rental income is used for serviceability assessment (a 30% expense allowance is deducted).
Includes Family Tax Benefit, Centrelink payments and other government allowances. Added gross to net income.

Expenses & Commitments

Total household living costs including groceries, utilities, transport, insurance and childcare. The higher of your declared amount or the HEM benchmark is used.
Reassessed at the 8.80% assessment rate over an assumed 24.5-year remaining term, rather than taken at face value.
Ongoing holding costs for investment properties — council rates, strata/body corporate, insurance, property management fees and maintenance. Deducted in full from net income (existing investment mortgage repayments are captured separately above).
Covers personal loans, car/lease finance and other debts. Reassessed at the 8.80% assessment rate over an assumed 5-year remaining term.
Combined credit card and buy now pay later limits. 45.6% of the total limit is used as an annual commitment regardless of current balance.

Household

Children and other financial dependants. This affects the HEM living expense benchmark used in the serviceability assessment.

Loan Details

The repayment schedule used to assess your capacity. A longer term means lower repayments and generally higher borrowing capacity.

Estimated Borrowing Capacity

Enter your income and expenses, then press calculate to see your estimated borrowing capacity.
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What my repayments could be!

Loan Calculator

Loan Details

Enter the total loan amount you plan to borrow.
Enter the loan term in years (typically 25–30 years).
Enter your annual interest rate (e.g. 5.64 for 5.64%).
Principal & Interest
Interest Only

Estimated Loan Repayments

Enter your loan amount, term and interest rate, then select Calculate to see your repayment schedule and cost breakdown.
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Repayment estimates assume a constant interest rate over the term and don't account for rate changes, fees, or offset/redraw balances. Interest Only figures apply for the term entered, after which principal and interest repayments would typically apply on the remaining balance. Results are general in nature and not financial advice — confirm figures with your lender before proceeding.

How much is stamp duty?

Stamp Duty Calculator

Property Details

Select the state or territory where the property is located.
Owner Occupied
Investment
First Home Buyer

Estimated Stamp Duty

Enter your property details and select Calculate to see your estimated stamp duty and total upfront costs.
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Stamp duty, registration and transfer fee estimates are indicative only, based on standard rates for a single property transfer. First home buyer concessions and exemptions are estimated using published thresholds and may not reflect every eligibility requirement. Results are general in nature, not financial or legal advice — always confirm figures with your state revenue office, lender or conveyancer before proceeding.

How much equity is in my home?

Equity Calculator

Property Details

Estimated market value of your property.
Your current outstanding home loan balance.

Your Available Equity

Enter your property value and current loan amount, then select Calculate to see your total and usable equity.
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Usable equity is estimated at 80% of your property's value, less your current loan balance. Actual usable equity depends on lender policy, LMI, and a full credit assessment. Results are general in nature and not financial advice — confirm figures with your lender or broker before proceeding.

What does my budget look like?

Budget Calculator

Income

Total combined net income per month for the household.

Expenses

Include regular costs like daycare or child support payments.
Expenses for school fees, supplies, uniforms, etc.
Monthly grocery spending (doesn't include takeaway etc).
Costs like council rates, utilities, maintenance etc.
Include health, car, home, and life insurance premiums.
Total expenses related to investment properties.
Costs associated with second homes, including insurance.
Combined monthly repayments for all liabilities.
Out-of-pocket medical costs, prescriptions, etc.
Monthly rental payments for your residence.
Haircuts, toiletries, cosmetics, etc.
Takeaway/dinner out, movies, subscriptions, hobbies, and leisure spending.
Mobile phone and home internet bills.
Fuel, registration, public transport, or car lease costs.
Miscellaneous expenses not covered above.

Your Budget Results

Enter your monthly income and expenses, then select Calculate to see your budget results.
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Disclaimer:
We’ve done our best to make these calculators are accurate, but the results are just a guide. It’s not a quote or a loan pre-approval. Borrowing capacity estimates are subject to full lender assessment and unique lender policy. If you want to know more, feel free to get in touch!

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