Tools & Resources
Expert tools to help you plan your property purchase, estimate costs and understand your borrowing power in Sydney's market. Free, instant and no sign-up required.
Calculate exactly what your home loan will cost each period. Model different scenarios by adjusting loan amount, interest rate, term and frequency.
Estimate Transfer Duty including First Home Buyer exemptions, partial concessions and the 8% foreign resident surcharge based on 2026 NSW rates.
Understand your maximum borrowing power before property hunting. Accounts for income, expenses, debts and APRA's mandatory 3% buffer rate.
Estimate how much equity a family member may need to pledge to support your home loan. Includes LMI savings and NSW First Home Buyer concession.
Compare weekly, fortnightly and monthly mortgage repayments side by side. See exactly how much interest and time you could save by changing your payment schedule.
Calculate your car loan repayments instantly. Enter loan amount, interest rate, term and frequency for a clear repayment estimate.
Full car finance cost breakdown including deposit, NSW vehicle stamp duty, balloon payment, visual charts and a 3yr / 5yr / 7yr term comparison.
Calculate gross yield, net yield and weekly cashflow for your investment property. Includes all running expenses, mortgage repayment and gearing position.
Our calculators provide close estimates based on current market data and standard lending criteria. Actual figures depend on your individual circumstances, credit history and lender policies. For a precise assessment, speak with our specialists.
We default to current average variable rates. You can adjust this in our Mortgage Repayment Calculator to model fixed-rate scenarios or compare different lender offers you've received.
If you're purchasing your first home in NSW for $800,000 or less, you may be fully exempt from stamp duty. Properties between $800k–$1m receive a partial concession. Use our Stamp Duty Calculator to estimate your savings.
APRA requires lenders to assess your ability to repay at an interest rate at least 3% above the loan's actual rate. This buffer is factored into our Borrowing Capacity Calculator to give you a realistic estimate of what lenders will approve.
Yes. A guarantor home loan allows a family member to pledge equity as security, eliminating Lenders Mortgage Insurance even with as little as 5% cash deposit. Use our Guarantor Loan Calculator to see how much equity is required.
Yes. All calculators are fully responsive and optimised for mobile, tablet and desktop devices. No app download required.