Run the numbers, then make them meaningful
These tools provide a starting point. Results are estimates only and are not financial or credit advice or a guarantee of approval.
Repayment calculator
Loan balance over time
Guide only. Extra repayments are approximated by converting to a monthly equivalent. Actual outcomes vary by lender, schedule, and interest calculations.
Borrowing capacity
Projected balance owing
Guide only. This 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.
Could switching your mortgage save money?
Compare your current loan with a possible new loan, including rates, regular fees and switching costs, using the Australian Government MoneySmart calculator.
Open MoneySmart calculator
Check the current rules for your state or territory
Stamp duty rates, concessions and thresholds change. Use your state or territory revenue office calculator for a current estimate, then talk to your conveyancer about your circumstances.
Visit Australian Government First Home site
Explore the structure, cash flow and time horizon
Rentvesting decisions can be shaped by borrowing capacity, owner-occupied versus investment lending, repayments, rent, buffers, market conditions and your longer-term property plans.
- Lending structure and available features
- Cash flow, repayments and holding costs
- Your time horizon and future purchases
Ready for a clearer next step?
Tell us what you would like help with and Prabhat will contact you to arrange a free consultation.
Prefer to call?0451 539 018