Make room for
possibility.
Run the numbers before you talk to anyone.
A little clarity for the decisions ahead.
Dream big.
Know your
numbers.
Get a feel for your monthly repayments.
No email. No mystery. Just a starting point.
Illustration only, not a quote or an assessment of what you can borrow. Assumes monthly principal and interest repayments and a constant rate over the full term. Excludes fees, offset balances and rate changes. The starting rate is an example, not an advertised offer.
A tool for every
“what if?”
Six more ways to run the numbers.
Open one to get started. Nothing leaves this page.
- Approx. monthly income after tax
- $5,700
- Monthly surplus for repayments
- $2,500
- Living expenses used
- $3,200
Approximate only. Uses a flat 72% after-tax estimate, a minimum living-expense floor of $2,500 plus $600 per dependant, and 3.8% of credit card limits per month. Lenders each use their own policies, buffers and expense benchmarks, so the real figure may be higher or lower.
- Duty without the concession
- $32,437
- Your saving
- $24,328
2026-27 thresholds (indexed 1 July 2026). First home buyers pay nothing up to $800,000 and a reduced amount up to $1,000,000 on new or existing homes. Check the current schedule
Guide only, using each state’s published schedule as at September 2026. Thresholds change (several are indexed each 1 July) and eligibility rules apply: residency, occupancy, income and prior ownership can all matter. Excludes foreign purchaser surcharges, mortgage registration and transfer fees, and off-the-plan or vacant-land rules.
- Time saved
- 7 years, 6 months
- Loan paid off in
- 22 years, 6 months
- New monthly repayment
- $4,397
- Total interest without extra
- $752,948
Illustration only. Assumes monthly principal and interest repayments, a constant rate and the extra amount paid every month from day one. Excludes fees, offset balances and rate changes.
- Current repayment
- $4,089
- New repayment
- $3,829
- Interest saved over term, after costs
- $76,880
- Break-even on switching costs
- 4 months
Illustration only. Assumes both loans are repaid over the same remaining term with constant rates. Switching costs are your estimate: discharge, application and government fees vary. A lower rate is not the only thing worth comparing.
- Total equity
- $550,000
- 80% of property value
- $880,000
- Current loan-to-value ratio
- 50%
Based on 80% LVR to avoid Lenders Mortgage Insurance. Lenders may allow more with LMI. Property value is your estimate. A lender will use its own valuation, and access to equity still depends on serviceability.
- Target date
- n/a
- Still to save
- $110,000
Illustration only. Assumes a constant interest rate compounding monthly and the same contribution every month, before tax on interest. Rates change and lenders may ask for genuine savings history, not just a balance.