Mortgage & Home Loan Calculators
Calculate mortgage repayments, stamp duty, borrowing power, offset account savings and extra repayment benefits for Australian home loans.
Most Popular
Mortgage Repayment Calculator
Calculate your monthly home loan repayments, total interest and compare principal & interest vs interest-only options.
Borrowing Power Calculator
Estimate how much you can borrow based on your income, expenses and existing debts. Uses standard Australian lending criteria.
Stamp Duty Calculator
Calculate stamp duty (transfer duty) for all Australian states and territories. Includes first home buyer concessions.
LMI Calculator
2025-26Estimate Lenders Mortgage Insurance based on your loan amount and LVR. See how LMI capitalises into your loan.
Refinance Calculator
2025-26Compare your current home loan to a new loan. See monthly savings, break-even period and total interest saved including refinance costs.
Interest-Only vs P&I Calculator
2025-26Compare interest-only and principal & interest loans. See total interest cost and the payment shock when IO ends.
Split Loan Calculator
2025-26Calculate repayments on a fixed/variable split home loan. Test rate-shock scenarios and compare to all-fixed or all-variable.
Mortgage vs Invest Calculator
2025-26Compare paying extra into your mortgage vs investing that money in shares/ETFs. See after-tax wealth at your chosen horizon.
All Mortgage Calculators
Extra Repayment Calculator
See how much time and interest you can save by making extra repayments on your home loan.
Offset Account Calculator
Calculate how much interest you can save with an offset account against your home loan.
Equity & LVR Calculator
Calculate your home equity, LVR (loan-to-value ratio), and usable equity for your next investment property.
NSW Stamp Duty Calculator
Calculate stamp duty (transfer duty) in New South Wales. First home buyers may be exempt on properties up to $800,000.
VIC Stamp Duty Calculator
Calculate stamp duty (land transfer duty) in Victoria. First home buyers exempt up to $600,000 with concessions to $750,000.
QLD Stamp Duty Calculator
Calculate transfer duty in Queensland. First home buyers may pay no duty on properties up to $700,000.
WA Stamp Duty Calculator
Calculate transfer duty in Western Australia. First home buyers exempt up to $430,000 with concessions to $530,000.
SA Stamp Duty Calculator
Calculate stamp duty in South Australia. SA has no specific first home buyer stamp duty exemption — check the First Home Owner Grant instead.
TAS Stamp Duty Calculator
Calculate stamp duty in Tasmania. First home buyers may be exempt on properties up to $750,000.
ACT Stamp Duty Calculator
Calculate stamp duty (conveyance duty) in the ACT. First home buyers exempt up to $1,000,000 — the most generous threshold in Australia.
NT Stamp Duty Calculator
Calculate stamp duty in the Northern Territory. NT uses a unique formula-based calculation rather than standard bracket rates.
About Mortgage Calculators
Australian home loan interest rates in 2025-26 typically range from 5.5% to 7.5% depending on the lender, loan type, and your circumstances. Banks assess borrowing capacity using a serviceability buffer — usually the actual rate plus 3% — meaning they test whether you can afford repayments at 9-10%.
Stamp duty varies significantly between states. For a $700,000 property: NSW charges approximately $26,000, VIC about $37,000, and QLD around $24,500. First home buyers may qualify for full exemptions or concessions depending on the state and property value. Our stamp duty calculator covers all 8 states and territories.
Extra repayments and offset accounts can dramatically reduce the total cost of a home loan. Even $500/month extra on a $500,000 loan at 6.5% saves over $200,000 in interest and cuts nearly 10 years off a 30-year loan. Use our mortgage calculators to model different scenarios.
Official sources: RBA Cash Rate · MoneySmart Mortgages
Built by Konstantin Iakovlev. Data sourced from official Australian government publications.