Calculators
Run the numbers before you book a consultation.
Six calculations that matter, whether you are buying your first place or moving a loan you already have. All of them estimates, all of them honest about what they cannot know.
What a loan would cost you each repayment, and what it adds up to over the whole term. Move the sliders and every number updates as you go.
Loan balance and interest over time
A rough idea of what a lender might lend you, worked out the way a lender does it: income after tax, minus what you already spend, tested at a rate well above the one you would actually pay.
What you need on settlement day on top of your deposit. NSW transfer duty, still widely called stamp duty, is usually much the biggest part of it.
NSW transfer duty brackets
Whether moving your loan to a lower rate is worth what it costs to move it. A lower rate is not automatically a saving, and stretching the loan back out to 30 years is where a good rate quietly turns into a bigger bill.
Total interest paid over time, staying put against refinancing
Where the pale line drops below the dark one, the cost of switching has been earned back. If it climbs back above, the new loan has cost you more in the end.
What paying a little extra each month, or leaving money sitting in an offset account, actually takes off the loan. Usually more than people expect.
Balance with and without extra repayments
Interest only means you pay the interest and nothing off the loan itself. Repayments are lower now. This shows what that costs you later, and how far repayments jump the day the interest only period ends.
A calculator cannot read your trust deed.
It also cannot tell you which lender will say yes. That part takes a conversation.