🏠 Category
Property & Home Loans Calculators
Mortgage repayments, stamp duty by state, borrowing power, and first home buyer cost calculators for Australian property.
Mortgage Repayment Calculator
Calculate your home loan repayments, total interest payable, and amortisation schedule.
Open calculatorBorrowing Power Calculator
Estimate how much you can borrow for a home loan based on your income, expenses, and existing debts.
Open calculatorStamp Duty Calculator — NSW
Calculate transfer duty (stamp duty) on property purchases in New South Wales.
Open calculatorStamp Duty Calculator — VIC
Calculate land transfer duty (stamp duty) on property purchases in Victoria.
Open calculatorStamp Duty Calculator — QLD
Calculate transfer duty on property purchases in Queensland.
Open calculatorStamp Duty Calculator — All States
Compare stamp duty across all Australian states and territories on one page.
Open calculatorLand Tax Calculator
Calculate annual land tax by state based on the unimproved value of your land.
Open calculatorFirst Home Buyer Cost Calculator
Calculate the total upfront costs of buying your first home in Australia, including deposit, stamp duty, and LMI.
Open calculatorLVR Calculator
Calculate your Loan-to-Value Ratio and whether you'll need Lenders Mortgage Insurance.
Open calculatorLMI Calculator
Estimate your Lenders Mortgage Insurance premium based on property value and loan-to-value ratio.
Open calculatorProperty Buying Costs Calculator
Estimate the full cost of buying a property in Australia, including stamp duty by state, legal fees, building and pest inspections, LMI, and total funds required.
Open calculatorProperty Selling Costs Calculator
Calculate the full cost of selling a property in Australia — agent commission, marketing, conveyancing, discharge fees, and estimated capital gains tax.
Open calculatorMortgage Payoff Timeline Calculator
Find out exactly when your mortgage will be paid off based on your current balance, interest rate, and monthly repayment amount.
Open calculatorExtra Repayment Calculator
See how much interest you save and how many years you cut off your mortgage by making extra monthly repayments.
Open calculatorLump Sum Payment Calculator
Find out how much interest you save and how much sooner your mortgage ends when you make a one-off lump sum payment.
Open calculatorFortnightly Payment Calculator
Calculate how much interest and time you save by switching from monthly to fortnightly mortgage repayments.
Open calculatorSplit Loan Calculator
Compare a split home loan (part fixed, part variable) against all-fixed and all-variable options to find your best strategy.
Open calculatorLearn
Articles & guides
Stamp Duty By State: How Every Australian State Compares
Stamp duty varies wildly across Australia — buying the same $700,000 home can cost you $12,000 more depending on which state you buy in. Here's a plain-English breakdown of every state's rates, thresholds, and concessions for 2026.
6 · Read moreThe Real Cost of Buying Your First Home in Australia (Beyond the Deposit)
Your deposit gets all the attention, but first home buyers are routinely blindsided by the other costs — stamp duty, legal fees, building inspections, mortgage insurance, and moving expenses. Here's the full list so you don't get caught short.
7 · Read moreHow Much Can I Borrow? What Banks Actually Look At in 2026
The number your bank will lend you isn't just about your income. It's a formula built from income, debts, expenses, number of dependants, interest rate buffers, and the type of loan. Here's exactly how borrowing power is calculated — and how to improve yours.
8 · Read moreLVR and LMI Explained: What They Mean and How to Avoid Paying LMI
LVR and LMI are two of the most consequential terms in home lending — and they're directly linked. Understanding how they work together could save you $15,000 or more on your next purchase.
6 · Read moreIs an Offset Account Actually Worth It? The Maths Behind Mortgage Savings
An offset account can save you tens of thousands in interest and shave years off your mortgage — but only if your loan rate, offset balance, and fee structure make the numbers work. Here's how to run the calculation and decide.
7 · Read moreNegative Gearing Explained: What Australian Property Investors Need to Know
Negative gearing is one of Australia's most talked-about tax strategies — but plenty of investors jump in without fully understanding how it works, what it costs, and whether it actually makes them money.
6 · Read moreRefinancing Your Home Loan: When It Makes Sense and How to Do It Right
Refinancing can save you thousands — but only if you do the maths properly. Here's what Australian homeowners need to check before switching lenders, and why the advertised rate is rarely the full story.
7 · Read moreIf you're looking to go deeper on this, the Monthly Budget Planner & Expense Tracker ($10.99, 5★ from 4 reviews) is worth a look. Affiliate link
