Free tools
Mortgage Calculators & Borrowing Tools
Use these tools to understand your position before you speak with a lender. All estimates are indicative — book a free consultation with our team for personalised figures.
No sign-up required · No data stored · Free to use
Borrowing Capacity
An estimate of how much a lender may approve based on your income and current commitments. Results are indicative — actual approval depends on credit history, employment type, and the lender's own assessment.
Enter your details and click the button to see your estimate.
Repayment Estimator
See your estimated monthly repayments at different loan amounts and interest rates. Useful for budgeting before you commit.
Enter your loan details and click the button to see your repayment estimate.
Refinance Savings
Compare your current repayments against what you'd pay at a lower rate. See how much you could save by switching.
Enter your loan details above to see your potential saving.
Important: All calculator results are estimates only and do not constitute financial advice. Actual borrowing capacity, repayments, and savings vary based on your full financial profile, credit history, the lender, and the loan product. Calculations use simplified assumptions and may not reflect fees, LMI, break costs, or other charges. Speak with a licensed mortgage broker before making any financial decisions.
Get Your Personalised Numbers
We'll review your actual situation and come back with accurate figures — including which lenders are most likely to approve your application.
What happens next
- 1We review your enquiry
- 2We call you within 1 business day
- 3Free assessment — no obligation
"I had no idea we could get the rate Lloyd found us. He came back with something well below what I thought was possible and the saving has been significant. Wish we'd used a broker sooner."
Sarah Chen
Brisbane, QLD · Refinance
Ready to Find the Right Loan?
The calculators give you a starting point. Our team gives you a plan — including which lender to use, what rate to expect, and what you need to do to get approved.
No upfront fees. Response within 1 business day.