The total amount you plan to spend on buying the property.
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Home Loan Calculator
Our calculator uses the same methods as banks, covering standard to complex loans.
Category
First Home Buyers
Refinancing
Budgeting
Information
1. The Simple Setup (For quick estimates)
- Choose your goal: Select either "Buying a Property" or "Already Own My Home".
- Enter the basics: Drop in your purchase price and deposit (or total loan balance), your term, and current interest rate.
- See your costs: The calculator will instantly show your required repayments. Use the "Rates & Insurance Tool" to get a true picture of your actual weekly household costs.
- Pay it off faster: Slide the "Increased Repayment" tracker to instantly see how much interest you can save, and exactly how many years you can slash off your loan term by paying a little extra.
2. The Advanced Setup (For split loans and smart structuring)
Are you mixing fixed rates with floating? Using an offset account? Click the Advanced (Split Loans) button to unlock professional-grade structuring:
- Click "+ Add Loan Split" to break your total loan into multiple chunks (e.g., $400k Fixed, $100k Revolving Credit).
- Assign specific interest rates, repayment types (P&I, Interest-Only, Revolving Credit, or Offset), and varying loan terms to each individual split.
- Once your splits match your total loan amount, the calculator will blend them into a single, easy-to-read "Combined Repayment."
Pro Tip: Export Your Plan
Once you've built your perfect structure, click "Copy Loan Chart." This instantly copies a beautifully formatted table of your exact loan splits directly to your clipboard. You can paste it straight into an email to us, or save it to your own notes!
FAQS
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