FREE MORTGAGE TOOLS
Explore indicative tools for buying, refinancing, managing debt and planning your property strategy.
START HERE
Explore an indicative borrowing range based on your income, expenses and financial commitments.
Compare your current loan with an illustrative refinance scenario and estimate the potential repayment and interest difference.
BUYING A PROPERTY
Explore an indicative borrowing range and the factors that may affect it.
Open calculatorEstimate repayments, total interest and an indicative loan payoff date.
Calculate repaymentsCompare household income and expenses and estimate how long it could take to reach a savings goal.
Build my budgetEstimate the deposit, stamp duty, lender costs and other cash that may be required to purchase.
Estimate buying costsCompare an illustrative renting scenario with the costs and deposit required to purchase.
Compare my optionsEstimate your monthly Defence home loan subsidy based on your loan amount, tier, and interest rate.
Estimate my subsidyREVIEWING YOUR CURRENT LOAN
Compare your current loan against an illustrative alternative rate and term.
Compare refinance scenariosEstimate your current LVR and equity position using your estimated property value and loan balance.
Estimate my equityCompare two different loan structures side-by-side to understand the impact of rates, fees, offset accounts, and loan terms.
Compare loansExplore the indicative repayment and interest impact of combining eligible debts.
Compare debt scenariosModel a refinance and debt-consolidation scenario, including repayment and estimated interest differences.
Model my scenarioExplore an indicative pathway for refinancing or repurchasing a shared-equity interest.
Program rules and eligibility requirements may change and must be independently verified.
Explore shared equityPROPERTY AND INVESTMENT PLANNING
Model how a multi-property portfolio could change over an illustrative ten-year period.
Plan a portfolio scenarioEstimate purchase costs, cash flow, holding costs and potential next-purchase timing.
Model an investmentExplore an illustrative property strategy based on a target retirement income.
Explore a retirement scenarioImportant: Do not present projected capital growth, rental income, tax outcomes or retirement income as guaranteed. Clearly display the assumptions used on each calculator page.
Tell us what you are working towards and Cameron or Matthew can help point you in the right direction.
Calculator results are based on the information entered and the assumptions shown. They are provided for illustrative and discussion purposes only and do not take into account your complete objectives, financial situation or needs. Results do not constitute credit or financial advice, loan approval, lender eligibility, a lender recommendation or confirmation that funds are available. Actual outcomes may vary based on lender policy, valuations, servicing assessments, fees and other factors.