Five free calculators to help you understand your position - borrowing power, stamp duty, refinancing savings, repayments, and renovation uplift. All estimates only - book a consultation for a tailored assessment.
Enter your income and expenses to get an estimate of your maximum borrowing capacity. Based on standard lender assessment rates — actual limits vary by lender.
Your Estimated Borrowing Power
Maximum Estimated Borrowing
Enter your details
Conservative Estimate
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Assessment Rate Used
~8.0% p.a.
Monthly Debt Serviced
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Net Income (est.)
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Estimates based on standard lender assessment rates and HEM benchmarks. Actual borrowing capacity varies by lender, credit history, and individual circumstances. This is not a credit approval.
Want your exact borrowing capacity?
We compare across 50+ lenders to find the one that assesses your income most favourably - which can make a significant difference to your approved amount.
Estimate your stamp duty liability based on state, property value, and buyer type. Rates current as of 2026 - exact amounts confirmed at settlement.
Stamp Duty Estimate
Estimated Stamp Duty
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FHB Concession Applied
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Effective Duty Rate
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Total Upfront Cash Needed
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5% Deposit Required
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Rates based on 2026 schedules. Concessions vary by state, property value, and eligibility. Always confirm with your solicitor or conveyancer prior to exchange.
Eligible for stamp duty exemptions?
First home buyer, government scheme, or professional waiver - we make sure you never pay more than you have to.
See how much you could save by switching to a lower rate. Enter your current loan details and a target rate to see your potential monthly and lifetime savings.
Your Refinancing Savings
Monthly Saving
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Annual Saving
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Lifetime Saving
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Current Repayment
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New Repayment
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Break-Even Period
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Rate Reduction
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Estimates only. Actual savings depend on lender, loan features, and individual circumstances. Refinancing costs vary. This is not a credit approval.
Ready for a mortgage health check?
Most clients find a better rate within the first conversation. There is no cost and no obligation to switch.
Calculate your estimated monthly, fortnightly, or weekly repayments on any loan amount. See how extra repayments or an offset account can dramatically reduce your total interest.
Your Loan Repayments
Monthly Repayment
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Total Interest Paid
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Total Amount Repaid
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Interest Saved (offset)
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Years Saved (extra repayments)
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Estimates only. Does not account for rate changes, fees, or redraw activity. For fixed rate periods, repayments are locked — variable rates may change.
Want a loan that works harder?
The right loan features - offset, redraw, split - can dramatically reduce your total interest. We find the structure that suits your cashflow.
Estimate the return on your renovation investment. See how much value different project types typically add to Australian residential property and whether the numbers stack up.
Renovation Value Analysis
Estimated Value Uplift
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Est. Post-Reno Value
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Return on Investment
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Net Gain / Loss
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Typical ROI Range
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Estimates based on Australian market averages. Actual uplift varies significantly by suburb, property type, existing condition, and quality of works. Obtain a valuation before and after major renovations.
Funding your renovation?
We structure renovation finance using your existing equity or a construction loan - so the project pays for itself through value uplift.
Calculators give you estimates. A consultation gives you certainty. Book a free session and we'll run your actual numbers across our full lender panel.