21 calculators · updated weekly · independent

Home Loan.

AI-powered home loan tools to help you calculate, compare, and optimize your mortgage. Get instant calculations plus personalized insights.

Open Repayment Calculator →All 21 tools Ask AI Assistant →

Live · Borrowing powerAI insight

Household income$185,000

Existing debts (annual)$8,400

Borrowing power

$798,720

est. across 47 lenders

Monthly @ 6.49%

$5,043

Estimate uses net income × 6.4 − annual debts, then amortises at the current variable average (6.49%). Banks add a 3% serviceability buffer on top. Open full calculator →

All21

Sort:Most-used

Repayment Calculator

Calculate your home loan repayments with AI-powered market comparison

most-used

LVR Calculator

Calculate your Loan-to-Value Ratio and understand how lenders assess your risk

LMI Calculator

Calculate Lenders Mortgage Insurance costs and discover strategies to avoid it

Stamp Duty Calculator

Calculate stamp duty for all Australian states with AI-powered concession detection

Borrowing Power Calculator

Calculate how much you can borrow with AI insights on lender policies

Extra Repayment Calculator

See how extra repayments can save you thousands in interest and years off your loan

Offset Account Calculator

Calculate how much an offset account can save you in interest on your home loan

Fixed vs Variable Calculator

Compare fixed and variable rate options to find the best choice for your situation

Split Loan Calculator

Calculate the optimal split between fixed and variable portions of your home loan

Loan Offset Account Benefit Calculator

Calculate potential savings on your home loan interest from using an offset account.

Live Rate Scanner

Compare real-time rates from 50+ Australian lenders matched to your situation

Live data

Lender Policy Matcher

Find lenders that accept your unique situation (self-employed, visa, casual)

Live data

Refinance Opportunity Detector

Compare your current loan to market rates and calculate exact savings

Live data

First Home Buyer Scheme Navigator

Find all grants, schemes, and concessions you're eligible for

Live data

Rate Negotiation Helper

Get talking points and competitor rates to negotiate with your bank

Live data

Property Suburb Analyzer

Get median prices, growth data, and demographics for any suburb

Live data

Loan Structure Advisor

AI analyzes your situation and recommends optimal loan structure

AI advisor

Document Checklist Generator

Get a personalized checklist of documents needed for your loan application

AI advisor

RBA Impact Analyzer

Understand how RBA rate changes affect your specific loan

AI advisor

Home Loan Health Check

Comprehensive AI assessment of your current loan vs market opportunities

AI advisor

Affordability Stress Tester

Test your loan against rate rises, income drops, and life changes

AI advisor

§ FAQ

Questions Australians actually ask the AI.

Drawn from real conversations with the Home Loan Assistant. Click any to open it in chat.

How does home loan work in Australia?

Our home loan calculators apply the same formulas, brackets and buffers that banks and the ATO use internally. We update assumptions weekly from RBA, APRA and ATO releases. Run the math →

Are the numbers reliable?

Yes—every calculation is auditable. We show the working and source live data from 47 lenders, the RBA cash rate and ATO 2026 brackets. They're estimates, not advice. Run the math →

Do I need to sign up?

No. There are no signups, no upsells, and no data leaves your browser. We earn nothing from any bank or product. The math is the product. Run the math →

What can the AI assistant do?

Ask questions in plain English. The assistant runs the calculators live, cites the formulas, and explains the result in your situation—linking back to the underlying tools. Run the math →