Most online mortgage calculators are either out of date, inaccurate or don’t full answer your questions.

Not ours! We’ve designed our own calculators to give you give you a better insight into how banks will view your home loan application.

Our popular mortgage calculators

credit_card

Credit Score Calculator

Will the banks see you as a high risk borrower?

beach_access

LMI Calculator

Compare LMI premiums from six lenders.

home

FHOG Calculator

Do you qualify for the first home owners grant?

supervisor_account

Guarantor Loan Calculator

Can you qualify for a 100% mortgage with the help of your parents?

info

How Much Can I Borrow

Which bank will lend you the most?

show_chart

Investment property calculator

How much does it cost per week to own an investment property?

local_atm

Loan Repayment Calculator

How much will your home loan repayments be?

markunread_mailbox

Postcode Restrictions Calculator

Are you buying a property in a high risk area?

home

Should you buy a home now?

Is it better to buy now or save a larger deposit and avoid paying LMI?

pie_chart

Interest Rate Calculator

What’s the best available rate for your loan?

pie_chart_outlined

LVR Calculator

Does your loan have a high LVR?

account_balance_wallet

Genuine Savings Calculator

Does it matter where your deposit came from?

Calculate your repayments / compare loans


Calculators for purchasing a property


Calculate how the bank will see you


Income calculators

Find out how lenders will assess your income when you apply for a home loan. Did you know that most of our customers have an assessable income that is lower than their actual income? This is particularly true for people who have overtime, casual, bonus or self employed income.


Getting the most from our mortgage calculators

These home loan calculators are designed to help you begin the process of calculating how much you can afford to borrow and working out if you can qualify for a home loan. Follow these three simple tips and you’ll be on your way to home ownership in no time!

Are you qualified?: There isn’t much point in looking at properties & comparing loans if you can’t get approved! Use our helpful tools such as the credit score calculator and genuine savings calculator to find out where you stand.

Be conservative: The banks are going to be conservative when assessing your mortgage. You should take the same approach when working out how much you can afford to borrow.

How much should you borrow?: You may have an idea how much you are looking to borrow, although in most cases, you should borrow $20,000 to $50,000 less than what the banks will actually lend to you.


Learn more about home loans

Our home loan calculators are designed as a guide only, for more precise figures and/or advice, please enquire online or contact us on 1300 889 743 to speak to one of our mortgage brokers.

If you are just researching at this stage then you can also ask a question on our mortgage forum and one of our brokers will provide a detailed answer.


Disclaimer

Whilst we try to be as accurate as possible, the results shown in our calculators are estimates only. Results are provided for illustrative purposes only and are based on the accuracy of the information provided.

A positive result does not constitute a loan approval, quote or an offer to lend. Our calculators are not intended to be relied upon for the purposes of making a decision in relation to a financial product. The calculators do not complete a holistic assessment of your needs and entire situation.

Code errors or delays with updating the calculator may cause your result to be inaccurate. You should obtain a formal approval from a lender before making any offer on a property or any financial decision that relies on a new mortgage. We accept no liability whatsoever if you rely on the results of one of our calculators to make a decision.

For specific calculations for your situation please speak to one of our mortgage brokers.

Why use us?

We aim to set an example by delivering what we promise: a higher level of service, better advice and better home loans.

pin_drop

Australia-wide services

We finance properties anywhere in Australia for people anywhere in the world.

monetization_on

Get incredible interest rates

Our relationships with our panel of lenders allow us to negotiate your interest rate.

thumb_up

We get tough loans approved

We can help you navigate the often complex pre-approval and application process.

favorite

Our customers love us

We receive hundreds of love letters from our customers.

Discover more reasons to use Home Loan Experts

How we find you the right solution

We get a complete understanding of where you’re at and what your ultimate goals are.
You’ll get a recommendation in just a few simple steps.

free assessment
1

Complete our free assessment form or call us.

situation
2

We assess your situation.

options
3

We look at all the options from our panel of lenders.

suitable home loan deals
4

We will find you the most suitable home loan deals.

Testimonials for Home loan experts

Facts
about us

50+

lenders on
our panel

$4B+

lent Australia-wide
and counting

Westpac
ANZ
Nab
AMP
Qudos
Firstmac
Common Wealth
St George
ING
Homeloans
Macquire
Suncorp
Pepper Money
Me Bank
Bankwest
75%

of our borrowers get
approved with a major bank

95%

of our borrowers get a discount
below the bank standard variable rate