Useful numbers.
Clearer decisions.

Indicative serviceability estimate only, not a lender approval or borrowing offer. Uses the surplus you enter and a default 3 percentage point assessment buffer. Lenders also assess income, dependants, expense benchmarks, credit limits, deposit and debts. No lender-specific policy or debt-to-income limit is applied.

Illustration only. Interest is calculated monthly, payments are at month end, and rates remain constant. Fees and changes to your circumstances are excluded unless entered. Extra payments start with the first repayment.

Compares the same amount and term. Upfront fees are paid separately, monthly fees do not reduce principal, and interest rates stay constant. Total cost includes principal, interest and the fees entered.

Illustration only. Interest is calculated monthly, payments are at month end, and rates remain constant. Fees and changes to your circumstances are excluded unless entered. Repayments are recalculated after the introductory period to keep the original end date.

Estimate only. Assumes a constant interest rate and excludes fees, charges and repayment changes.

Illustration assumes both rates apply for the entire term. Actual fixed periods end and variable rates can change; future repricing, fees and break costs are excluded.

Estimate only. Assumes the rate, repayment and offset balance remain constant, repayments continue unchanged, and no fees apply.

Illustration only. Interest is calculated monthly, payments are at month end, and rates remain constant. Fees and changes to your circumstances are excluded unless entered. A value of zero months applies the lump sum immediately; otherwise it follows that month’s scheduled payment.

Assumes repayments stop immediately, interest is added monthly during the pause, then higher payments repay the balance by the original end date. Lender approval, fees and alternative arrangements are not modelled.

Enter monthly averages, including irregular expenses divided by 12. A negative result is a shortfall. Avoid counting the same repayment in more than one category.

Duty concession included:

$0

Estimate for a current residential purchase using rates checked 23 September 2026 and 2026–27 title fees. First-home and owner-occupier estimates assume all eligibility requirements are met. One transfer and one mortgage are assumed. Excludes grants, foreign-buyer surcharges, vacant land, off-the-plan and special package exemptions, shared ownership, legal fees and electronic-lodgement fees. Confirm eligibility, contract-date rates and charges with your conveyancer.

Assumes monthly compounding and deposits at the end of each month. The interest rate stays constant. Tax, fees, inflation and bonus-rate conditions are excluded.

2026–27 Australian resident rates; full-year tax-free threshold assumed. Figures show income tax only, before tax offsets, Medicare levy, Medicare levy surcharge, HELP repayments and other deductions. They are not final take-home pay.

Uses inclusive calendar days and a 365-day year. Assumes the same earning pace continues. Exclude one-off bonuses or unusual payments if they will not recur.

Illustration only. Interest is calculated monthly, payments are at month end, and rates remain constant. Fees and changes to your circumstances are excluded unless entered.

Assumes no new purchases, fees or cash advances and a constant monthly repayment. Monthly interest approximation; actual card interest is often calculated daily. This does not model a declining minimum-payment schedule.

Illustration only. Interest is calculated monthly, payments are at month end, and rates remain constant. Fees and changes to your circumstances are excluded unless entered. Use the Balloon payment calculator if a final lump sum is due.

Illustration only. Interest is calculated monthly, payments are at month end, and rates remain constant. Fees and changes to your circumstances are excluded unless entered. The balloon is paid in addition to the final regular repayment. Refinancing and sale proceeds are not assumed.