Free calculators, guides, and real data to help Australians make better decisions about their home loan. Repayments, stress tests, stamp duty, borrowing capacity, and more.
All free, no sign-up required. Australian-specific data and rates.
Monthly, fortnightly, or weekly repayments on any loan amount. Includes amortisation schedule and rate sensitivity.
Calculate repayments →Are you above the 30% threshold? Test your repayments against your income and see your buffer to rate rises.
Run stress test →How much can you borrow? Uses the same serviceability framework lenders apply — income, HEM, existing debts, APRA buffer.
Find your limit →Stamp duty for all 8 Australian states and territories. Includes FHB concessions, foreign buyer surcharges, and state comparison.
Calculate stamp duty →Estimate Lenders Mortgage Insurance cost by LVR. See how much extra deposit avoids LMI entirely.
Estimate LMI →How much do you really need to buy? Includes stamp duty, LMI, legal costs, and the cash required at each LVR target.
Plan your deposit →See exactly how much interest your offset balance saves over the loan term — and how many years it cuts off your mortgage.
Calculate offset savings →10-year comparison of renting versus buying. Includes property growth, opportunity cost of deposit, and ongoing ownership costs.
Compare rent vs buy →Compare IO and P&I total costs. See the payment shock when IO expires and how much extra interest IO costs over the loan term.
Compare IO vs P&I →Model a fixed/variable split. Find the ratio that gives you rate certainty without sacrificing flexibility.
Model split loan →Is it worth switching lenders? Enter your current rate, new rate, and switching costs to find your break-even month.
Run break-even →How much time and interest does paying extra each month save? See the impact of $200, $500, or $1,000 extra per month.
Calculate savings →Quick answers for common borrowing amounts and salary levels.
The most searched loan amount in Australia
See repayments →Near the national average for capital city buyers
See repayments →Million-dollar mortgage — repayments and full scenarios
See repayments →Borrowing power and repayments on a $100K income
See borrowing power →How much can you borrow on $150K household income?
See borrowing power →Grants, stamp duty concessions, and eligibility rules for every state and territory.
Transfer duty rates, first home buyer exemptions, and foreign buyer surcharges for every state.
The 30% rule, Roy Morgan's definition, and what to do if you're under financial pressure.
Read guide →How to calculate if switching lenders saves money. Break-even analysis, costs, and timing.
Read guide →Full vs partial offset, offset vs redraw, tax implications for investors, and how to maximise savings.
Read guide →Everything from deposit to settlement. Grants, schemes, inspections, and what to expect on the day.
Read guide →Step-by-step process for requesting a hardship variation. Your rights, lender obligations, and free help.
Read guide →50+ Australian mortgage terms explained in plain English. LVR, LMI, HEM, APRA, offset, redraw, and more.
Browse glossary →State-specific mortgage stress rates, median prices, and local information.
Struggling with your mortgage?
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MortgageHelp is a DecisionLab project. DecisionLab has 130+ free Australian financial calculators — income tax, super, HECS, take-home pay, and more.
Visit DecisionLab →MortgageHelp provides free, independent tools and information to help Australians understand and manage their mortgages. We don't sell loans, don't receive lender commissions, and don't require sign-up. All calculators use publicly available data and standard financial formulas.
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