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Mortgage & Loan Calculators

Run the numbers before you commit. Estimate repayments, model extra payments and offsets, test rate rises and compare a refinance — all in one place.

Financial Tools

Plan with confidence

Choose a calculator below to estimate your repayments and see how smarter lending choices add up over time.

Mortgage Repayment Calculator

Estimate your repayments and the total interest over the life of the loan.

Your Estimate
—per month
Total interest payable—
Total amount repaid—

Extra Repayments Calculator

See how much time and interest you save by paying a little extra each month.

Your Estimate
—interest saved
Time saved—
New loan term—

Offset Account Calculator

Model how savings held in an offset account reduce your interest and loan term.

Your Estimate
—interest saved
Time saved—
New loan term—

Interest Only Calculator

Compare interest-only repayments now with principal & interest once the IO period ends.

Your Estimate
—interest-only, per month
P&I repayment after IO period—
Extra interest vs P&I loan—

Refinance Savings Calculator

Compare your current rate against a new one to see what refinancing could save.

Your Estimate
—saved per month
Saved per year—
Net saving over term (after fees)—

Rate Stress Test Calculator

Check how your repayments would change if rates rose by the serviceability buffer.

Your Estimate
—extra per month if rates rise
Repayment now—
Repayment after buffer—

LMI Estimate Calculator

Estimate Lenders Mortgage Insurance based on your property value and loan amount.

Your Estimate
—estimated LMI premium
Loan-to-value ratio (LVR)—
—

Comparison Rate Calculator

Work out the true cost of a loan by factoring fees into an effective rate.

Your Estimate
—comparison rate
Nominal interest rate—
Total cost over term—

These calculators provide estimates for general information only and do not constitute financial advice or a loan offer. Results assume a constant interest rate and regular repayments; LMI figures are indicative and vary by insurer and lender. Speak with our advisers for figures tailored to your situation.

Want the numbers tailored to you?

Our advisers will run the real figures based on your goals.

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