Run the numbers before anyone runs them for you.
Free calculators. No email address required, no sales call triggered. Move the sliders and watch the charts. Then, if you want the numbers turned into a strategy, you know where I am.
Loan repayments
Week to week cost, and how the balance falls.
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Borrowing power
What a lender might actually let you borrow.
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Extra repayments & offset
How a bit extra cuts years and interest.
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Refinance savings
Monthly saving, and when switching pays back.
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Stamp duty & cost of buying
Duty and the other costs your deposit must cover.
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What's your LVR?
Which pricing band you are in, and whether LMI applies.
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Offset vs basic loan
The balance where an offset starts earning its keep.
Open calculator →More calculators are on the way. bonus/RSU income is next on the list. If there's one you'd find useful, tell me and I'll bump it up the queue.
Free PropIQ report on any address. See value and local context before you move. Try Property IQ →
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. Thirty minutes on Google Meet, 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.