Free tools
Home loan calculators
Run the numbers before you talk to anyone. These 8 calculators cover the questions we get asked most: what a loan costs each month, what you might be able to borrow, what stamp duty looks like in South Australia, and what an offset account or a few extra dollars a month actually does over 30 years.
No sign-up, no email gate, no callback trap. Use them as often as you like. When the numbers raise a question, that is what we are here for.
Some brokers charge for their advice. We expressly do not.
Pick a calculator
8 calculators, 1 for every stage
Loan Repayment Calculator
What a loan costs each month, fortnight or week.
Open calculatorBorrowing Power Calculator
A guide to what you might be able to borrow.
Open calculatorOffset Calculator
What an offset balance could save in interest and time.
Open calculatorExtra Repayment Calculator
What paying a little more each month really does.
Open calculatorLump Sum Calculator
The effect of a one-off payment on your loan.
Open calculatorRefinance Savings Calculator
Compare your current loan against a new rate scenario.
Open calculatorStamp Duty Calculator (SA)
South Australian stamp duty on a property purchase.
Open calculatorPurchasing Power Calculator
Deposit plus borrowing: your total purchase budget.
Open calculatorEstimates, not advice
Every tool on this page produces an estimate for general guidance only, based on the figures you enter and the assumptions described on each calculator page. The results are not financial or credit advice, a quote, or an offer of credit, and they do not consider your personal circumstances. Actual figures depend on the lender, the product and a full assessment of your situation. Your full financial situation and needs will be considered prior to any offer or recommendation of a credit product. The information on this website is general in nature and does not take your personal circumstances into account.
After the numbers
When a calculator raises a question
Read the guides
Plain-English explainers on LMI, valuations, the home loan process and paying a loan off faster: the context behind the numbers these calculators produce.
Browse the guidesTalk to an Adelaide broker
A calculator gives you a number. A broker gives you a structure, a lender shortlist and a plan built on your actual situation, at no cost to you.
Meet the brokersNumbers first, conversation second
Run the calculators, note what surprises you, then bring the questions to us. Our advice costs you nothing, and you will know exactly where you stand.