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Home loan calculators
Try our home loan calculators
We’re here to help you make an informed decision about your home loan. Whether it’s your first home, next home or an investment property, we have a range of calculators to help you get started. Our simple and easy-to-use calculators can give you a better idea of what you can achieve, so you can start working toward your property goals sooner.
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Borrowing power calculator
Understanding your borrowing power gives you a better idea of your budget before house hunting. Use our borrowing power calculator to get an estimate of how much you could borrow, as well as an indicative interest rate and repayment amount.
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Loan repayment calculator
Whether you’re a first homebuyer or keen property investor, this loan repayment calculator can help you plan your next move. Use it to estimate weekly, fortnightly, or monthly repayments and see what a home loan could look like for you.
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Indicative pre-approval
Getting pre-qualified for a home loan gives you a clear spending limit to help narrow down your property search. Use this simple tool to answer a few questions and get pre-qualified in just minutes, so you can move ahead with greater confidence.
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Extra repayment calculator
Want to know how making extra repayments could impact the life of your home loan? Our extra repayments calculator helps you explore how you could pay off your mortgage sooner. Simply enter a few details to see what you could save in interest.
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Investment purchase calculator
It can be hard to know where to start when purchasing an investment property. Our investment purchase calculator can help you to turn your portfolio-building plans into reality by estimating the yearly cashflow of your rental property.
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Stamp duty calculator
No one likes bill shock, especially when making big financial decisions like purchasing a home. Our stamp duty calculator could clarify what initial costs you may need to pay to buy a house, including mortgage registration fee, transfer fee and stamp duty.
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Budget planning calculator
Budgeting is an essential part of managing a loan. But you don’t have to figure it out on your own – our budget planner calculator can help. Use it to see all your daily costs together, which could help you save and plan for your future.
Other handy tools to try
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Car Loan
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Business Loan
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Caravan Loan
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Commercial Loans
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SMSF Loans
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Personal Loans
Home loan calculator FAQs
When it comes to deposits, there’s no one-size-fits-all approach. While aiming for 10-20% of the property value is a good goal, we understand that not everyone can pull this much together. As a specialty lender, we're here to help you find a flexible home loan with as little as a 5% deposit.
Along with your deposit, the amount you can borrow depends on factors like your income, expenses, and more. We have a range of handy home loan calculators, including a borrowing power calculator, to help you see what kind of property you could afford with your current savings.
The loan-to-value ratio (LVR) is a term you are likely to come across when applying for a home loan. It refers to the ratio of the loan amount against the value of the property you are looking to purchase. For example, the maximum LVR on our fresh start home loan is 95%, which means you can borrow up to 95% of the property value. The LVR is also used to determine whether lender’s mortgage insurance (LMI) will be needed and what interest rate applies.
For many people, interest rates are an important consideration because they influence the monthly repayments and the total amount you'll pay over the life of your home loan.
While a lower interest rate is usually preferred, unique circumstances might require you to consider a home loan with other important features, such as a smaller deposit or a longer loan term. Our home loan calculators offer an easy way to explore and understand your options.
Interest is typically calculated on your outstanding home loan balance at the end of each day and charged to your account every month. The outstanding balance is multiplied by the interest rate on the loan account and divided by 365 days.
Depending on the type of home loan you have, making additional repayments could be a smart move. Using a home loan calculator for extra repayments, you can see how paying more might help you save on interest and finalise your loan earlier than expected.
Start your homebuying journey...
We want your lending journey to be as seamless as possible. So, here's a few ideas to help you take your next step and remove the guesswork from your finances.
Contact a trusted adviser
Your local Liberty Adviser will be able to look at your lending options and help you decide the best way forward.
Get indicative pre-approval
Move ahead with confidence. Our online indicative pre-approval tool gives you an answer instantly. It's fast and fuss free.
Find my perfect home loan
Want to find a free-thinking loan that suits your needs? Our online loan-finder tool can point you in the right direction.