Calculators
Run the maths, then call us.
Three calculators that mirror the ones we use in the office. Numbers are illustrative — a real assessment uses your actual situation.
Monthly repayments
What you'll pay each month at the rates in today's market.
Loan amount$650,000
$100k$2M
Interest rate5.84%
3.00%9.00%
Loan term30 years
5 yrs30 yrs
Repayment frequency
Repayment type
Repayment, monthly
$3,829
$728,394
Total interest paid
$1,378,394
Total cost over loan
Where each dollar goes — over the loan life
Principal 47%
Interest 53%
Borrowing power
A rough indication of what a lender might lend you. A formal assessment is sharper.
Applicants
Gross annual income$140,000
$50k$500k
Dependants0
05
Existing debt repayments$0/mo
$0$5k
Monthly living expenses$3,200/mo
$1.5k$8k
You could borrow up to
$820,000
Conservative bank
$740k
Buffered assessment
Middle of market
$820k
Most-likely capacity
Most generous lender
$895k
Aggressive policy
What this means for property price
$1,025k
Purchase @ 20% deposit
$911k
Purchase @ 10% + LMI
Extra repayments
How much faster you'd pay off the loan by adding extra each month.
Current loan balance$650,000
$100k$2M
Interest rate5.84%
3.00%9.00%
Years remaining30 years
530
Extra per month$500
$0$2,000
Years off your loan
6.4yrs
$112,840
Total interest saved
23.6 yrs
New payoff time
Impact of different extra amounts
Disclaimer. These calculators are intended as a guide only. They don't take into account your personal circumstances, fees, charges, LMI, or all features of a particular loan. Actual repayments, capacity and savings will vary. Talk to us for a full assessment.