Test the numbers before you commit

Our calculators show scenarios and estimates to help you understand how repayments, deposits, LVR and borrowing power interact. They are not loan approvals or quotes, and results depend on the inputs you enter.

Each tool models a different part of the picture. Change the rate and see how monthly cashflow shifts.

Estimate monthly repayments on principal and interest or interest-only terms. Repayment models show how a rate movement affects your monthly cashflow.

Model the loan amount, term and interest rate together to see the full cost of borrowing over time, not just the first repayment.

Get a rough indication of how much you might borrow based on income, expenses and existing debts. This is an estimate, not a lending assessment.

See how your deposit size changes the amount you need to borrow and the upfront costs you should plan for, including stamp duty where it applies.

Work out your loan-to-value ratio from the loan amount and property value. LVR calculations show the exact thresholds where lender mortgage insurance may become payable.