Crunch your numbers.
Nineteen calculators. One straight answer. Borrowing power, repayments, refinancing savings, FIFO income, self-employed add-backs, SMSF, bridging, construction, commercial, developer feasibility — pick your scenario and have the numbers in about a minute.
19 calculators. About a minute each.
Sorted by what you're trying to do. Every calculator runs entirely in your browser — no email, no sign-up, no salesperson. When you're ready for the real number, that's where we come in.
Buying, building, refinancing, investing
First Home Buyer
True cost of your first home — deposit, stamp duty, government schemes, and what your repayments could look like.
Open calculatorHome Loan Borrowing Power
A quick guide to what lenders might offer based on your income, dependents, and current commitments.
Open calculatorInvestment Loan
Borrowing power once your income, existing debts and projected rent are factored in. The structure decisions matter as much as the number.
Open calculatorRefinancing Savings
Two paths — drop your interest rate, or roll your debts into one payment. About a minute either way.
Open calculatorConstruction Loan
Land, build cost, drawdowns. Interest-only payments through each stage, plus your P&I after handover.
Open calculatorFIFO Home Loan
How each lender band counts roster, base, allowances and bonuses — and how dramatically your borrowing power swings.
Open calculatorSelf-Employed Income
Tax-return profit plus add-backs by lender band. See how much of your real income each lender will actually count.
Open calculatorDebt Consolidation
Current monthly outflow before vs after consolidation — plus the trap of stretching the lot over 30 years.
Open calculatorBridging Loan
Peak debt, capitalised interest and end debt — plus what happens if your sale takes 30 days vs 90.
Open calculatorSMSF Borrowing Capacity
Tell us about your fund and the property — see borrowing capacity, deposit, and the post-settlement cash buffer your fund will need.
Open calculatorReverse Mortgage
Maximum available, projected loan balance, and equity remaining at every milestone — 5, 10, 20 years out.
Open calculatorFamily Guarantee
How the loan splits, how much parent equity is held as security, and the LMI you avoid by going guarantor.
Open calculatorWorking capital, premises, projects
Business Loan
Indicative monthly repayment, total interest, and how secured vs unsecured stack up side by side.
Open calculatorCommercial Loan
Indicative LVR, deposit gap, repayments — and how owner-occupier vs investor vs construction stack up.
Open calculatorDeveloper Feasibility
TDC, GRV, lender type and term — loan amount, equity required, project margin, indicative interest reserve.
Open calculatorPrivate Money Cost
All-in cost of private lending: interest (paid or capitalised), establishment, discharge — by security type.
Open calculatorBusiness Asset & Vehicle
Monthly repayment, GST credit you can claim, balloon at end, and how chattel mortgage / hire purchase / lease compare.
Open calculatorCars, utes, gear, fleet
Honest tools. No tricks.
Indicative numbers from real lender data — not bait-and-switch headline rates. When you're ready, we'll go and get the actual offer.
Useful for planning, not a credit offer. Real pricing depends on the lender, the structure, and you.
Designed for the answer you actually need, fast. No 12-page form, no compulsory email capture.
Liked the number? We'll go and find it for real across 60+ lenders. No charge to you, ever.
Still not sure?
Give us a bell.
Free chat, no pressure. Two minutes on the phone can save you months of mucking around.
"Knew every lender on the panel and made refinancing genuinely easy. Saved us a heap."
All calculators provide estimates only and do not constitute a credit offer or assessment of borrowing capacity. Real pricing, capacity and terms vary by lender, product, structure and your individual circumstances. Pilbara Equities Pty Ltd, CRN 478535, of Mortgage Specialists Pty Ltd, ACL 387025.