Free Home Loan Calculators
Get a clear picture of your numbers before you talk finance
Whether you’re weighing up how much you could borrow, working out stamp duty on your next purchase, or seeing what extra repayments could save you, these calculators give you a fast, no-obligation starting point.
With 23+ years in financial services, I look for the detail in your numbers that a calculator alone can’t show you.
Prefer to talk first? Call Durand direct on 0450 275 656
Six tools to help you plan your next move
Every one of these calculators is free to use and takes just a couple of minutes. They’re a good way to run the numbers on your own time, before or after we speak, so you walk into any conversation about your home loan already knowing roughly where you stand.
Choose the right calculator for where you're at
Each calculator below has its own dedicated page. Click through to run your numbers.
Loan repayment calculator
Estimate your monthly, fortnightly or weekly repayments based on the amount you borrow, the interest rate and the loan term, so you know what a given loan actually costs week to week.
Borrowing power calculator
Get an estimate of how much you may be able to borrow based on your income, expenses and existing debts, a useful first step before you start looking at property.
Stamp duty calculator
Work out the stamp duty payable on your next property purchase anywhere in Australia, one of the biggest upfront costs buyers underestimate when budgeting for a purchase.
Refinance calculator
See how switching lenders or restructuring your current loan could change your repayments, and get a feel for the potential savings before you commit to a review.
Extra repayments calculator
Find out how making additional repayments, even small ones, can shorten your loan term and reduce the total interest you pay over the life of the loan.
Home loan offset calculator
Understand how funds sitting in an offset account reduce the interest charged on your home loan, and what that could mean over the years ahead.
A calculator is a starting point, not a strategy
These tools are genuinely useful, but they work from the numbers you type in. A proper assessment looks at the numbers behind those numbers.
Lenders don’t all assess you the same way
Every lender applies its own serviceability buffer and treats income, bonuses, rental income and existing debts differently. Two lenders can arrive at two very different borrowing figures for the exact same person.
Complex income isn’t a single number
If you’re self-employed, earn commission or bonuses, or run income through a business or trust, a calculator can’t account for that nuance. It often takes a closer look to find borrowing capacity a generic estimate would miss.
Structure matters as much as the amount
How a loan is split, whether you use an offset account, and how you sequence multiple properties can all affect your long-term position far more than the headline interest rate.
Your numbers change over time
A calculator is a snapshot. A strategy accounts for where your income, family and goals are headed over the next five to ten years, not just where they sit today.
Lenders don’t all assess you the same way
Every lender applies its own serviceability buffer and treats income, bonuses, rental income and existing debts differently. Two lenders can arrive at two very different borrowing figures for the exact same person.
Complex income isn’t a single number
If you’re self-employed, earn commission or bonuses, or run income through a business or trust, a calculator can’t account for that nuance. It often takes a closer look to find borrowing capacity a generic estimate would miss.
Structure matters as much as the amount
How a loan is split, whether you use an offset account, and how you sequence multiple properties can all affect your long-term position far more than the headline interest rate.
Your numbers change over time
A calculator is a snapshot. A strategy accounts for where your income, family and goals are headed over the next five to ten years, not just where they sit today.
Lenders don’t all assess you the same way
Every lender applies its own serviceability buffer and treats income, bonuses, rental income and existing debts differently. Two lenders can arrive at two very different borrowing figures for the exact same person.
Complex income isn’t a single number
If you’re self-employed, earn commission or bonuses, or run income through a business or trust, a calculator can’t account for that nuance. It often takes a closer look to find borrowing capacity a generic estimate would miss.
Structure matters as much as the amount
How a loan is split, whether you use an offset account, and how you sequence multiple properties can all affect your long-term position far more than the headline interest rate.
Your numbers change over time
A calculator is a snapshot. A strategy accounts for where your income, family and goals are headed over the next five to ten years, not just where they sit today.
Lenders don’t all assess you the same way
Every lender applies its own serviceability buffer and treats income, bonuses, rental income and existing debts differently. Two lenders can arrive at two very different borrowing figures for the exact same person.
Complex income isn’t a single number
If you’re self-employed, earn commission or bonuses, or run income through a business or trust, a calculator can’t account for that nuance. It often takes a closer look to find borrowing capacity a generic estimate would miss.
Structure matters as much as the amount
How a loan is split, whether you use an offset account, and how you sequence multiple properties can all affect your long-term position far more than the headline interest rate.
Your numbers change over time
A calculator is a snapshot. A strategy accounts for where your income, family and goals are headed over the next five to ten years, not just where they sit today.
From estimate to strategy in five steps
Once you’ve run the numbers, here’s what working with Durand actually looks like.
Why clients work with me
The calculators are free for anyone to use. What sets the outcome apart is the strategy built around your actual numbers, delivered by the same person from start to finish.
“Durand was amazing, he walked us through the process every step of the way, always available to explain things, prepared very thorough loan applications, professional, friendly with great communication skills.”
Shane, verified Google review
23+
Years in financial services
70+
Lenders on panel
5★
Client feedback
1:1
End-to-end service, no handoffs
Calculator FAQs
How accurate are these calculators?
They give you a reliable estimate based on the figures you enter, which makes them a great starting point. They can’t account for lender-specific policy, complex income structures or the serviceability buffers each bank applies differently, which is why the numbers can shift once a real application goes in.
Which calculator should I start with?
If you’re not sure what you can borrow yet, start with the Borrowing Power Calculator. If you already have a property or loan amount in mind, the Loan Repayment Calculator or Stamp Duty Calculator will be more useful.
Does using a calculator affect my credit score?
No. These calculators don’t run a credit check and don’t record an enquiry against your file. You can use as many as you like while you’re exploring your options.
What information do I need before using the borrowing power calculator?
Generally your household income, existing debts and repayments, dependants, and an idea of your living expenses. Having a recent payslip or two handy makes it quicker, but you can still get a useful estimate without them.
I've used a calculator, what happens next?
A calculator gives you a ballpark figure. The next step is to get in touch with Durand for a short conversation where we review your actual numbers, check what lenders would genuinely assess you for, and map out a strategy rather than just a loan amount.
Does the stamp duty calculator cover all states?
Yes. Every state calculates stamp duty differently, so simply select your state from the dropdown and the calculator will work out the appropriate duties for you.
Related reading
Once you’ve run your numbers, these might be useful next.
11 strategies to help pay off your mortgage sooner
Practical ways to reduce your loan term and interest, beyond what the extra repayments and offset calculators show you.
What to consider when refinancing?
The key factors to weigh up before switching lenders, to sit alongside your refinance calculator estimate.
11 strategies to help pay off your mortgage sooner
Practical ways to reduce your loan term and interest, beyond what the extra repayments and offset calculators show you.
What to consider when refinancing?
The key factors to weigh up before switching lenders, to sit alongside your refinance calculator estimate.
11 strategies to help pay off your mortgage sooner
Practical ways to reduce your loan term and interest, beyond what the extra repayments and offset calculators show you.
What to consider when refinancing?
The key factors to weigh up before switching lenders, to sit alongside your refinance calculator estimate.
Ready to turn your estimate into a strategy?
Tell us what you’re working toward and we’ll review your actual numbers, not just a calculator estimate.
Prefer to talk now? Call 0450 275 656 or email durand@willowandreedprivate.com.au