Run the numbers before anyone runs them for you.
Four free tools, no email address required, no sales call triggered. Move the sliders, watch the charts, and get a feel for what's possible — then, if you want the numbers turned into a strategy, you know where I am.
Loan repayments
What a loan actually costs, week to week and over its life. Principal & interest or interest-only, with a chart of your balance falling over time.
Open calculator →Borrowing power
A realistic estimate of what lenders might let you borrow — including the 3% assessment buffer they apply and the expense benchmarks they use.
Open calculator →Extra repayments & offset
The quiet superpower of Australian mortgages. See how a bit extra each month — or money parked in an offset — cuts years and serious interest off your loan.
Open calculator →Refinance savings
Is your loyalty tax showing? Compare your current rate with a new one, see the monthly saving, and find your break-even point after switching costs.
Open calculator →More calculators are on the way — stamp duty, first-home buyer schemes and SMSF lending are next on the list. If there's one you'd find useful, tell me and I'll bump it up the queue.
A calculator gives you a number. I give you a plan.
These tools use one set of assumptions. Lenders use forty different ones — and matching your situation to the right credit policy is usually worth far more than any online estimate. Twenty minutes, no cost, no obligation.
Things to know: these calculators are a guide only. Results are estimates based on the figures you enter and the assumptions stated on this page — they don't take into account all fees and charges, changes in interest rates, or your full personal circumstances, and they are not a loan offer, pre-approval, or credit advice. Every lender assesses applications differently, and your actual borrowing capacity, repayments and savings may be higher or lower. Before acting, consider whether the results are right for your situation — or better yet, talk it through with a broker. Wombat Home Loans is a Credit Representative of Loans Only Pty Ltd, Australian Credit Licence 561324.