Home Loans
Reverse Mortgage / Seniors
Business / Commercial
Refinance / Consolidation
Self Employed / Low Doc
Rural / farming
Bad Credit / Default
Car / Personal Loans
Calculators  We have 24 different calculators to help you
Home Loan Calculators
$ BORROWING POWER CALCULATOR Get an idea of how much you can borrow (and what your repayments will be) based on your current income and expenses.
$ INTRODUCTORY RATE LOAN CALCULATOR See what your loan repayments would be. Can also use for standard loan with no introductory rate. (just make introductory rate the same)
$ EXTRA REPAYMENT CALCULATOR This calculator helps you estimate how much time and interest you can save over the life of your loan if you make regular additional repayments into your loan.
$ HOME LOAN OFFSET CALCULATOR See what savings (in time and interest) that having money in an offset account can have on your loan.
$ LUMP SUM REPAYMENT CALCULATOR See the time and interest saved if you put a lump sum into your loan at a certain point of time.
$ INTEREST ONLY MORTGAGE CALCULATOR Not only see what your initial repayments will be, but see how they will increase significantly (as you have to pay the original amount off in the remaining loan term)
$ HOW LONG TO REPAY CALCULATOR See what happens if you pay more than the minimum or pay more frequently. You will be surprised!
$ LOAN COMPARISON CALCULATOR Compare two loans with different attributes to see which one saves you money.
$ SPLIT LOAN CALCULATOR See the effect on total interest payable if you fix part of your total debt for a given period.
$ MORTGAGE SWITCHING CALCULATOR This calculator helps determine whether switching to a new loan is the right option for you and it analyses three scenarios (1) not switching and keep repaying the currently loan (2) switch to a new loan and make the minimum repayment or (3) switch to a new loan and keep current and higher repayment if possible.
$ COMPARISON RATE CALCULATOR Calculate the TRUE rate of a loan. It factors in the interest rate, fees and charges and displays a single percentage rate that can be used to compare various loans from different lenders. This calculator can help you to find the comparison rate and see what the actual cost of a loan will be.

Income and Savings Calculators
$ INCOME ANNUALISATION CALCULATOR This calculator is a tool to determine borrowers' annual income from the income that has been accruing for less than a full year accrued, year to date.
$ INCOME TAX CALCULAOR Calculate a simple income tax liability based on the ATO's personal income tax rates and thresholds.
$ INCOME GROSS UP CALCULATOR Know what your net income is but need to know what the gross equivalent is. Use this calculator.
$ SAVINGS CALCULATOR This calculator calculates the total accumulation in a savings account with a regular deposit arrangement.
Purchasing / Selling Costs
$ STAMP DUTY CALCULATOR Get an idea of the Gov’t fees that will apply when you purchase. These costs will come out of your deposit so important to know what they will be.
$ PROPERTY BUYING COSTS CALCULATOR Helps you estimate all the costs associated with buying a property. N.B. You’ll need to get some info from the Stamp Duty Calculator first.
$ PROPERTY SELLING COSTS CALCULATOR Calculate your costs that you may have to pay to sell your current property.
Other Helpful Calculators
$ RENT VS BUY CALCULATOR Helps explore the potential benefit of either renting or buying a property over time and decide whether it's better to buy or rent a home based on inputs you enter and assumptions.
$ BUDGET PLANNER Get an idea of what you are spending vs what you are earning. Do things need to change?
$ COMPOUND INTEREST CALCULATOR How interest is calculated can greatly affect your savings. The more often interest is compounded, the more you earn. This calculator helps you understand how compounding can affect your savings and what is the actual annual return.
$ CREDIT CARD CALCULATOR See the difference between paying your credit card off at the minimum payment level vs a higher amount.
$ REVERSE MORTGAGE CALCULATOR This calculator can help you find out how many years you will be able to live off the equity in your home before it returns to a zero value or protected level. The interest that accumulates on a reverse mortgage compounds monthly and grows rapidly. You can use this calculator to see if using a reverse mortgage could be worthwhile for you.
$ LEASING CALCULATOR Calculate how much your lease will cost you in total interest over the length of the term.

How much can I expect to borrow?
Here are just some of the lenders that we are accredited with ...