Home loan calculators
Work out what you could borrow, what the stamp duty and repayments come to, and what extra repayments, an offset or a lower rate would save.
18 calculators, free and with no sign-up. Every result shows its working.
How much could you borrow?
The borrowing power calculator's working, at 6.80% plus the 3% buffer lenders test you at.
- Repayment $6,735
- Tax $3,753
- Living costs $4,000
- Left over $2,179
Where a month's pay before tax would go.
Where most people start
Repayment Calculator
Repayments each week, fortnight or month, and the interest over the loan
Borrowing Power Calculator
The largest loan a lender would approve on your income, costs and debts
Stamp Duty Calculator
Stamp duty in your state with first home buyer concessions, and in every other state
Extra Repayment Calculator
The interest and the years that paying a bit extra saves
All 18 calculators, by what they answer
How much can I borrow and buy?
- Borrowing Power CalculatorThe largest loan a lender would approve on your income, costs and debts
- Stamp Duty CalculatorStamp duty in your state with first home buyer concessions, and in every other state
- LVR CalculatorYour loan as a share of the property's value, and the LVR band it puts you in
- LMI CalculatorLenders mortgage insurance from your quote, paid upfront or added to the loan
- First Home Buyer Scheme NavigatorThe grants, schemes and concessions first home buyers can use in your state
What will the repayments be?
- Repayment CalculatorRepayments each week, fortnight or month, and the interest over the loan
- Fixed vs Variable CalculatorFixed and variable repayments side by side, and what happens if rates move
- Split Loan CalculatorRepayments on a loan split between a fixed and a variable part
- Loan Structure PlannerA fixed and variable split, repayment type and features to suit your plans
- RBA Impact AnalyzerWhat a move in the cash rate does to your repayments
- Affordability Stress TesterWhether you could keep up repayments if rates rose or your income fell
Could I pay less?
- Extra Repayment CalculatorThe interest and the years that paying a bit extra saves
- Offset Account CalculatorWhat savings sitting in an offset account take off your interest
- Refinance Opportunity DetectorYour rate against the lowest published for your LVR, after the cost of switching
- Live Rate ScannerEvery lender's published rate for your loan type and LVR, lowest first
- Rate Negotiation HelperOther lenders' published rates and the points to raise with your bank
- Home Loan Health CheckYour loan's rate, features and LVR against the lowest rate published for your LVR
Every lender's lowest home loan rate today
Read from each institution on 7 November 2026Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 3-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.
The figures in full
As of 7 November 2026, the lowest variable home loan rate is 5.93%, from SCCU's BROKER HOME LOAN, while the typical best across 104 institutions is 6.38%. The lowest 3-year fixed home loan rate is 6.24%, from Credit Union SA's 3-Year Fixed 40 Year Home Loan Package, while the typical best across 80 institutions is 6.69%. The RBA cash rate is 4.85%. Those are for an owner-occupier paying principal and interest at an 80% LVR.
The average new owner-occupier home loan was $842,000 in NSW and $664,000 in Victoria in the June quarter 2026, from the ABS. A two-bedroom unit on a new lease in NSW rents for a typical $785 a week.
The real products and rates
Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.
Questions these calculators answer
- How are home loan repayments calculated?
- Home loan repayments are calculated using the amortization formula, which factors in your loan amount, interest rate, and loan term. The formula ensures each payment covers both interest and principal, gradually reducing your loan balance to zero by the end of the term. Open the Repayment Calculator
- What is a good LVR for a home loan?
- An LVR of 80% or below is considered ideal as it means you won't need to pay Lenders Mortgage Insurance (LMI). Many lenders will lend up to 95% LVR with LMI. Open the LVR Calculator
- Can LMI be avoided?
- LMI doesn't apply with a deposit of at least 20% of the property value. Below that, eligible buyers can use government schemes such as the 5% Deposit Scheme, a family guarantee, or a lender's LMI waiver where one is offered. Open the LMI Calculator
- When is stamp duty payable?
- Each state's revenue office sets the deadline, tied to the contract or settlement date; its website gives the rule for your purchase. A conveyancer or solicitor can lodge the transaction and pay the duty as part of settlement. Open the Stamp Duty Calculator