Run your own numbers.
Four calculators, from a first repayment estimate to stamp duty in every state. All illustrative. We still confirm the real numbers against the panel.
Talk it throughA 15-minute call with our team, confirmed within one business day.
Estimated Payment
$0 /mo
Loan amount$0
Est. total interest$0
Principal & interest only. Excludes rates, insurance and LMI. Illustrative only.
Monthly Saving
$0 /mo
Current repayment$0
New repayment$0
Net saving over term$0
Assumes the same remaining term at the new rate, minus one-off refinance costs.
Estimated Transfer Duty
$0
Dutiable value$0
Scheme appliedStandard rate
Foreign purchaser surcharge$0
Standard transfer duty rates by state, 2026/27 thresholds. Excludes registration/title fees, and doesn't model owner-occupier-only concession schedules where a state has one.
You Could Be Debt-Free
0 yrs sooner
Interest saved$0
New payoff time0 yrs
Simulated month-by-month at a constant rate. Real savings depend on rate changes over time.
What these numbers leave out
- How lenders test you
- Lenders check your repayments at a higher assessment rate than the rate you'll actually pay, so the amount you can borrow is usually lower than a repayment estimate suggests.
- Lenders Mortgage Insurance
- With a deposit under 20%, most lenders add LMI. It can be several thousand dollars, and it's often added to the loan.
- Fees and government charges
- Application, valuation and settlement fees, plus mortgage and transfer registration fees, sit on top of stamp duty.
- Your own file
- Income type, existing debts and the property itself all change what a lender will offer. That's the part our team checks against the panel.