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 repayment frequency.
Estimate your Transfer Duty liability including First Home Buyer exemptions, partial concessions and the 8% foreign resident surcharge based on 2026 NSW rates.
Understand your maximum borrowing power before you start property hunting. Accounts for income, living expenses, existing debts and APRA's mandatory 3% buffer rate.
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. All calculators are fully responsive and optimised for mobile, tablet and desktop devices. No app download required.