Use these to get a rough sense of the numbers before you talk to anyone. They’re a starting point, not an assessment. Every lender calculates differently, and the figure that matters is the one a lender will actually approve, which is usually not the one a calculator produces.
Borrowing Capacity
Estimates what you may be able to borrow based on income, expenses and existing commitments. Useful as a ballpark. Self-employed borrowers should treat the result with caution, since lenders assess business income in materially different ways.
Refinance Feasibility
Compares your current loan against a proposed one. Worth running before you commit to anything, though it won’t capture break costs or discharge fees, which often decide whether a refinance is actually worth doing.
Loan Repayment
Works out repayments across different loan amounts, rates and terms.
Stamp Duty
Estimates duty on a property purchase. Rates and concessions vary by state and change regularly.
Purchasing Power
Translates a deposit and borrowing capacity into a realistic price range.
If a number looks off, or you want to know what a lender would actually approve, call 1300 776 433.
