Home Loan Calculator

Our Home Loan Calculator can help you calculate your home loan repayments and estimate the true cost of your mortgage, including interest rates, stamp duty, insurance and more. 

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

Minimum

By paying $loanFrequency_lyname instead of monthly, you could save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

% PA
% PA

Comparison rate

Features

Loan Summary

Your Savings/Deposit

Application Fee -

Stamp Duty () -

Up Front Costs -

Available Deposit

Property Price

Loan Amount

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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

Estimate

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

Note: the figures above are illustrative only.

Stamp Duty

Based on $assetUse worth $assetValue in $state, you might pay Stamp Duty of:

Estimate

Learn about the first home owner's grant.

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

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

Buildings & Contents Insurance
Protect your home inside and out from loss or damage caused by one or more of 11 insured events with Allianz Building and Contents Insurance through Heritage Bank. Get a quick quote online today.
Learn more

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
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

Total Cost Summary

Total Loan Repayments

Total Interest Payable

By paying $loanFrequency_lyname, you will save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

Heritage Loan Repayment

Insurance
Water And Rates
Repairs And Maintenance
Loan Fee

What if interest rates change?

  • What if interest rate change by:
  • New Interest Rate
  • New Heritage Loan Repayment
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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 your particular situation.

Up-front Costs

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

Deposit

Application Fee

Stamp Duty

Removalist Costs

Legal Fees

Lenders Mortgage Insurance (LMI)

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.

Learn more about these costs in our article 8 costs to consider before purchasing a property

Ready to apply? We've detailed the home loan application process steps to help you understand what's involved.