Australian Mortgage Calculators
Professional, bank-grade calculators designed specifically for the Australian market. Calculate your home loan repayments and borrowing capacity with confidence.
✓ APRA serviceability buffer included ✓ Offset account support ✓ Daily interest calculations available
Repayment Calculator
Calculate your monthly home loan repayments with support for offset accounts and extra repayments. See how much interest you'll pay and when you'll own your home outright.
- Monthly, fortnightly & weekly options
- Offset account calculations
- Amortisation schedule & graphs
Borrowing Power
Estimate how much you can borrow based on your income, expenses, and existing debts. Includes APRA's serviceability buffer to match real lender assessments.
- APRA +3% buffer included
- Single & joint applications
- Rate sensitivity analysis
Built for Australian Home Buyers
Bank-Grade Accuracy
Our calculators use the same formulas as major Australian banks and lenders.
Real-Time Updates
See results instantly as you adjust values. No waiting, no page reloads.
Visual Insights
Professional charts show principal vs interest breakdown and loan progression.
Frequently Asked Questions
How accurate are these calculators?
Our calculators use industry-standard formulas and include Australian-specific features like the APRA serviceability buffer. While results are estimates, they closely match what major Australian lenders use for initial assessments.
What is the APRA serviceability buffer?
The Australian Prudential Regulation Authority (APRA) requires lenders to assess whether borrowers can afford repayments at an interest rate 3% higher than the actual rate. This buffer helps ensure borrowers can handle rate increases.
How do offset accounts work?
An offset account is a transaction account linked to your home loan. The balance in this account is offset against your loan balance, reducing the interest you pay. For example, a $50,000 offset balance on a $500,000 loan means you only pay interest on $450,000.
Should I make extra repayments?
Extra repayments can significantly reduce the total interest paid and shorten your loan term. Our calculator shows exactly how much time and money you could save. Even small extra amounts can make a big difference over time.