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Australian home loan calculators

Designed around Australian lending: repayments can be weekly, fortnightly or monthly, interest is typically calculated daily and charged monthly, offset accounts reduce the balance interest is charged on, and stamp duty depends on your state or territory.

This calculator produces an estimate from the figures you enter. It is general information only and does not consider your objectives, financial situation or needs. It is not credit assistance or a loan approval. Speak with a licensed credit provider or adviser before making a decision.Full disclaimer

Terms used in these calculators

Deposit
The upfront amount you contribute. Loan amount = purchase price − deposit (before costs such as stamp duty).
Offset account
A transaction account linked to your loan. Its balance is subtracted from the loan balance when daily interest is calculated, so repayments pay down more principal.
Principal and interest (P&I)
Repayments that cover interest and gradually repay the amount borrowed over the loan term.
Interest-only (IO)
A period where repayments cover interest only. The loan balance does not fall, and repayments rise when the IO period ends.
Stamp duty (transfer duty)
A state or territory tax on property purchases. Rates, concessions and first home buyer rules differ by jurisdiction.
Serviceability buffer
An extra margin lenders add to the interest rate when checking whether you could afford repayments if rates rose.
LMI
Lenders mortgage insurance, often charged when the deposit is under 20% of the property value. It protects the lender, not you.
Fortnightly repayments
Paying every two weeks. Paying half the monthly amount each fortnight adds up to 13 monthly repayments a year, which shortens the loan.

Stamp duty calculators by state

Stamp duty rules differ in every state and territory. Choose yours, or compare all states.