Home Loan Calculator

I want to borrow


  • Build your estimate
  • Loan Summary
  • Up-front Costs
  • Stamp Duty
  • Insurance
  • Water and Rates
  • Repairs and Maintenance
  • Total Cost Summary

How we can help you


% PA
% PA

Comparison rate

Loan Summary

Your Savings

Application Fee -

Stamp Duty () -

Up-front Costs -

Available Deposit

Property Price

Loan Amount

Indicative repayment amount only. Your credit contract will state a monthly repayment figure. You may make payments as frequently as you choose within each month to pay the monthly amount due.

Up-front Costs

Use this section to subtract common up-front costs from your initial deposit.
Removalists cost:
Legal fees:


Your estimated Loan to Value Ratio (LVR) is $lvr%. Lenders Mortgage Insurance (LMI) may apply if your LVR is over 80%.
Lenders Mortgage Insurance:

Note: the figures above are illustrative only.

Stamp Duty

Based on a loan $propertyType worth $propertyPrice in $state, you might pay Stamp Duty of:


What is Stamp Duty?

Stamp Duty (known as ‘transfer duty’ in Queensland) is a state government tax imposed on certain transactions. In this case, it would be imposed on the transaction of a property or mortgage.


Insurance is an important cost to consider when purchasing a property as it will help give you peace of mind should anything unforeseen happen.
Annual insurance cost:

Note: The figures above are illustrative only. They in no way represent an average premium or indication of potential costs. You will need to use our online insurance form to obtain a detailed quote that takes into account you particular situation.

Water and Rates

Council rates will be dependent on your state, council area and suburb. The money you pay in rates helps to contribute towards things like services, roads and parklands in your area.
  • Use Property Value
  • Use Yearly Council Rates
Percentage of property value:
Yearly council rates:

Note: The figures above are illustrative only. Water rates are calculated on the amount of water your household uses.

Repairs and Maintenance

It's important you think about budgeting money towards repairs and maintenance of your property.
Percentage of property value:

Maintaining your home
Whether your property has seen centuries, decades or just a few short years, there’s always the potential for maintenance and other DIY costs to come up.

Total Cost Summary

Total Loan Repayments

Total Interest Paid

Heritage Loan Repayment


Water And Rates
Repairs And Maintenance
Loan Fee
  • What if interest rates change by:
  • New interest rate
  • New $loanFrequency.lyname repayment

Up-front Costs

These are one off costs that will impact your initial deposit.


Application Fee

Stamp Duty

Removalist Cost

Legal Fees

Lenders Mortgage Insurance

Other costs to consider

There may be other costs you need to consider when purchasing and maintaining a property. For example, solicitor fees associated with acquiring the property or management fees if you plan on renting the property out.

We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

Enquire now

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