Home Loan.
AI-powered home loan tools to help you calculate, compare, and optimize your mortgage. Get instant calculations plus personalized insights.
All 21 home loan calculators
Free, instant, no signup. Every result shows its working and can be handed to the assistant.
Repayment Calculator
Calculate your home loan repayments with AI-powered market comparison
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
Lender Policy Matcher
Find lenders that accept your unique situation (self-employed, visa, casual)
Refinance Opportunity Detector
Compare your current loan to market rates and calculate exact savings
First Home Buyer Scheme Navigator
Find all grants, schemes, and concessions you're eligible for
Rate Negotiation Helper
Get talking points and competitor rates to negotiate with your bank
Property Suburb Analyzer
Get median prices, growth data, and demographics for any suburb
Loan Structure Advisor
AI analyzes your situation and recommends optimal loan structure
Document Checklist Generator
Get a personalized checklist of documents needed for your loan application
RBA Impact Analyzer
Understand how RBA rate changes affect your specific loan
Home Loan Health Check
Comprehensive AI assessment of your current loan vs market opportunities
Affordability Stress Tester
Test your loan against rate rises, income drops, and life changes
The real products, as published.
Run the numbers here, then compare against what every provider actually publishes under the Consumer Data Right, refreshed nightly.
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 the rates come from what every bank publishes under the Consumer Data Right, 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 and no upsells. The calculators run in your browser — only a question you choose to send the assistant leaves it. 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 →