Professional Mortgage Solutions

CALCULATORS

Run the numbers — then let’s turn them into a clear next step.

We’ve designed these calculators to give you a clearer view of the numbers lenders typically consider. Results are a guide only and do not constitute financial advice or a guarantee of approval.

Repayment calculator

Loan amount

Loan term (years) Interest rate (%)

Additional repayment

Additional repayment frequency Additional repayment

Loan Amount

Your approximate repayments would be

$—

per month

Total repayments$—

Total interest paid$—

Additional repayments$—

Total saving$—

Years saved—

Guide only. This calculator approximates extra repayments by converting them to a monthly equivalent. Actual outcomes vary by lender, repayment schedule, and interest calculations.

Borrowing capacity calculator

Joint application

Yes No

No. of dependants

Loan details

Interest rate (%) Loan term (years)

Income

Income type

Net Gross

Frequency Your income

Partner’s income

Other income

Expenses

State Frequency

Living expenses

Existing loan repayments

Credit card limit

Safety buffer

of surplus kept aside

Living expenses (HEM estimate): $— We use the higher of your entered living expenses and this estimate.

You can borrow up to approximately

$—

Your monthly repayments would be

$—

Amount Owing

Guide only. This estimate uses your income/expenses plus a safety buffer and a simplified credit card minimum repayment assumption. Lender servicing methods vary and can materially change the result.

Stamp duty calculator

Property price

State Purchase type

First home buyer (PPOR) Foreign purchaser (may attract surcharge)

Estimates only. Surcharges and concessions depend on eligibility and contract details.

Estimated stamp duty

$—

Total upfront (price + duty)

$—

Price vs duty

Duty as % of price—

NoteGuide only

Estimates only. State rules, concessions and thresholds can change and may vary by property type and eligibility.

Rentvesting

Property decisions are influenced by lending structure, time horizon, cash flow approach, market conditions and long-term objectives. Small strategic differences can materially impact outcomes — including flexibility and future exit options.

For a personalised discussion tailored to your circumstances, we invite you to contact us. We will explore possible pathways aligned with your goals, so you can move forward with clarity and confidence.

Enquire now

What we'll explore

Lending structureOwner-occupied vs investment, offset/IO choices, split loans

Time horizonShort vs long-term plans and exit strategy

Cash flow approachRent vs repayments, buffers, and ongoing costs

Market conditionsRates, rents, and growth assumptions

Long-term objectivesFlexibility, portfolio options, and future purchases

This isn’t financial advice — it’s a starting point. For tailored scenarios, book a quick call.