Quick-reference pages for every common mortgage scenario in Australia. Each loan-amount page shows monthly and fortnightly repayments at 5 different rates, deposit requirements at 5%/10%/20% LVR, stamp duty by state, and required household income. Each salary page shows borrowing capacity for singles, couples, and households with kids or HECS-HELP debt.
22 pre-calculated scenarios from $100K to $2M.
~$632/month at 6.5% over 30 years
See repayments →~$948/month at 6.5% over 30 years
See repayments →~$1,264/month at 6.5% over 30 years
See repayments →~$1,580/month at 6.5% over 30 years
See repayments →~$1,896/month at 6.5% over 30 years
See repayments →~$2,212/month at 6.5% over 30 years
See repayments →~$2,528/month at 6.5% over 30 years
See repayments →~$2,844/month at 6.5% over 30 years
See repayments →~$3,160/month at 6.5% over 30 years
See repayments →~$3,476/month at 6.5% over 30 years
See repayments →~$3,792/month at 6.5% over 30 years
See repayments →~$4,108/month at 6.5% over 30 years
See repayments →~$4,424/month at 6.5% over 30 years
See repayments →~$4,741/month at 6.5% over 30 years
See repayments →~$5,057/month at 6.5% over 30 years
See repayments →~$5,373/month at 6.5% over 30 years
See repayments →~$5,689/month at 6.5% over 30 years
See repayments →~$6,321/month at 6.5% over 30 years
See repayments →~$7,585/month at 6.5% over 30 years
See repayments →~$9,481/month at 6.5% over 30 years
See repayments →~$11,377/month at 6.5% over 30 years
See repayments →~$12,641/month at 6.5% over 30 years
See repayments →12 household income brackets — from $50K to $300K.
Borrowing capacity for a $50K household income
See borrowing power →Borrowing capacity for a $60K household income
See borrowing power →Borrowing capacity for a $70K household income
See borrowing power →Borrowing capacity for a $80K household income
See borrowing power →Borrowing capacity for a $90K household income
See borrowing power →Borrowing capacity for a $100K household income
See borrowing power →Borrowing capacity for a $120K household income
See borrowing power →Borrowing capacity for a $150K household income
See borrowing power →Borrowing capacity for a $180K household income
See borrowing power →Borrowing capacity for a $200K household income
See borrowing power →Borrowing capacity for a $250K household income
See borrowing power →Borrowing capacity for a $300K household income
See borrowing power →If your situation falls between these scenarios, use the calculators directly:
All scenarios use the standard amortisation formula and current Australian rate ranges. Income requirements use the 30%-of-gross household income mortgage stress threshold. Stamp duty uses 2025–26 state rates from each state's revenue office.
Mortgage Glossary →