Australian Mortgage Calculators
Free calculators for Australian home loans — repayments, stamp duty, LMI, first-home buyer grants, offset accounts and investment property tools. All figures in AUD.
Core Calculators
Monthly, fortnightly or weekly repayments with full amortisation in AUD.
Compare two home loans including comparison rate and lifetime cost.
How much you can borrow with HEM expenses and an APRA 3% serviceability buffer.
Estimated conditional approval amount before house hunting.
First-Home Buyer Calculators
State-by-state FHOG amounts for new builds and eligible properties.
5% deposit scheme with no LMI for eligible first home buyers.
First home buyer stamp duty exemptions and concessions by state.
First Home Super Saver scheme deposit projections through superannuation.
Borrowing power when a family member pledges equity to avoid LMI.
Family guarantor home loan with security and serviceability impact.
5% genuine savings test for high-LVR Australian home loans.
Stamp Duty & Tax Calculators
Transfer duty for residential property by state and territory.
Investor stamp duty including foreign buyer surcharges by state.
Lifetime cost of upfront stamp duty versus annual land tax (e.g. ACT/Vic options).
Annual land tax assessment by state, threshold and ownership structure.
Tax benefit of negatively geared investment property at your marginal rate.
LMI & Insurance Calculators
Refinance & Features Calculators
Net benefit of refinancing including cashback offers and switching costs.
Decode comparison rates back into headline rate plus likely fee load.
100% offset account interest savings against your home loan balance.
Tax and accessibility differences between offset and redraw facilities.
Repayment shock when an IO term reverts to principal and interest.
True cost of package fees vs no-frills basic home loan products.
Statutory cooling-off duration and forfeiture by state.
Investment Calculators
Interest-only or P&I investment loan repayments with rental offsets.
Gross and net rental yield for Australian investment properties.
Compare renting where you live and investing elsewhere over the long term.
Self-managed super fund property investment costs and limited recourse loan.
Settlement adjustments, council rates and water apportionment.
About Australian Home Loans
The Australian home loan market is dominated by variable-rate products with optional 1–5 year fixed periods. Most loans are full principal-and-interest with 25 or 30-year terms, and offset accounts and redraw facilities are standard features that let borrowers reduce interest while maintaining access to surplus funds. Lenders are required by ASIC to disclose a comparison rate alongside the headline rate, capturing most fees in a single number.
Serviceability is governed by APRA, which requires lenders to assess borrowers at the contract rate plus a 3% buffer. The Household Expenditure Measure (HEM) provides a floor on assumed living costs. Loans above 80% LVR generally require Lenders Mortgage Insurance (LMI), a one-off premium that protects the lender — not the borrower — and is typically capitalised onto the loan balance.
Stamp duty is the largest one-off cost on a purchase and is set by each state and territory, with significant variation. First home buyers may qualify for full exemption or major concessions in most states, and the federal Home Guarantee Scheme allows eligible buyers to purchase with a 5% deposit and no LMI. The First Home Super Saver scheme (FHSS) lets buyers save toward a deposit through their superannuation at concessional tax rates.
Key Regulators & Programs
- Reserve Bank of Australia (RBA) — sets the cash rate that drives variable mortgage pricing
- APRA — Australian Prudential Regulation Authority; sets the serviceability buffer
- ASIC — Australian Securities and Investments Commission; enforces responsible lending and comparison-rate disclosure
- Housing Australia — administers the Home Guarantee Scheme (FHG, FHGG, RHG)
- State revenue offices — collect stamp duty and land tax (NSW, Vic, Qld, WA, SA, Tas, ACT, NT)
- FHOG, FHSS, FHB stamp duty concessions — first home buyer support at federal and state level