Free mortgage calculators, repayments, borrowing power, equity, LMI and more. Built for Australian borrowers. Results are indicative, book a free consultation for precise numbers.
Last updated: October 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited
Calculate your monthly home loan repayments for any loan amount, rate and term.
Three quick questions, no credit check. John personally reviews your scenario within one business day.
Estimate how much you can borrow based on your income and commitments.
Calculate your usable home equity and what you could access today.
Estimate your Lenders Mortgage Insurance cost based on LVR and loan amount.
Full cashflow analysis, gross yield, net yield, tax benefit, weekly cost.
Assess the financial viability of a construction or development project.
Get an indicative estimate of your property's current market value.
Detailed suburb and property data to support your purchase decision.
Fixed term ending? See your repayment at the revert rate and what refinancing could save.
Monthly saving vs switching costs. See exactly how many months until refinancing pays for itself.
See what the next 0.25% rise adds to your repayments, interest only or P&I.
Calculate exactly how much you save when your home loan rate drops.
See exactly how much you could save per month, per year and over your loan life by refinancing.
Search any Sydney suburb for historical medians, growth trends and a 12-month price forecast.
These calculators provide indicative results based on the inputs you provide. Actual borrowing capacity, repayments, LMI costs and equity available vary by lender and your full financial situation. For precise numbers, book a free 20-minute consultation, we run your exact scenario across 50+ lenders.
Whatever brought you to this page, it is worth knowing what your current loan should cost today. Lenders reserve their sharpest rates for new customers, so long-term borrowers quietly pay a loyalty premium. John reviews your rate against 50+ lenders for free and tells you plainly whether a refinance beats your current deal.
Typical switching costs run from about $700 to $1,200, covering discharge fees, government registration and a new application. On a $600,000 loan, a 0.50% rate cut saves about $181 a month, so most Sydney refinances recover their costs within three to nine months.
Often, yes, on larger balances. A 0.25% cut on a $600,000 loan saves about $91 a month, roughly $1,095 a year, which typically repays switching costs inside a year. Below that, the case depends on your balance, remaining term and fees; John runs the break-even numbers for you for free.
Most refinances settle within two to four weeks from application. Fast-track digital discharges can be quicker; a slow discharging lender is the most common delay. John manages the whole process, including chasing your current bank.
Calculators give estimates, a free broker consultation gives you exact figures across 50+ lenders.