Home loan calculators – How much can I borrow?

Use our helpful calculators to determine an estimate of how much you may be able to borrow for a home loan, plus calculate repayments, stamp duty, minimum deposit, LMI (Lender’s Mortgage Insurance) and split loan repayments.

If you’re looking to buy a new home, refinance or invest in property, finding out your estimated borrowing power is a great first step.

You can also determine estimates for savings on your credit card, savings goals, income annualisation, rent vs buy, mortgage switching and more.

The results from our calculators are a general guide only. To discuss your true borrowing capacity and to find the right loan for your circumstances, call the team from Time2Refinance.


Time2Refinance 08 8447 6097

Loan Repayment Calculator

Adjust rates and terms to compare different home loans.

Borrowing Power Calculator (Net Income)

Use your details to estimate how much you could borrow.

Borrowing Power Calculator 2 (Gross Income)

Use your details to estimate how much you could borrow.

Interest Only Mortgage Calculator

Work out your repayments on an interest-only home loan.

Stamp Duty Calculator

Find out how much stamp duty you’ll have to pay on a home.

Income Tax Calculator

See exactly how much tax you’ll pay on your income.

Saving Calculator

See how much you can grow your savings.

Comparison Rate Calculator

Use interest rates and fees to compare trues costs of different loans

Extra Repayment Calculator

See the difference additional payments will make on your home loan.

Lump Sum Repayment Calculator

Calculate how much a lump sum payment on your loan will save you.

How Long to Repay Calculator

Work out how long it will take to pay off your loan.

Split Loan Calculator

Work out the costs of splitting your loan into a fixed and variable loan.

Home Loan Offset Calculator

Estimate how much interest you’ll save by using your savings to offset your home loan.

Introductory Rate Loan Calculator

Calculate what happens to your loan with an introductory or ‘honeymoon’ rate.

Loan Comparison Calculator

Adjust rates and terms to compare different home loans.

Leasing Calculator

Property Buying Cost Calculator

See what buying will cost you on top of the purchase price.

Property Selling Cost_Calculator

Find out how much it will cost to sell your property and see where to save.

Compound Interest Calculator

See how much your savings can grow over time.

Budget Planner

Use your income and expenses and to better plan your spending.

Credit Card Calculator

Work out your savings if you pay more than the minimum payment.

Reverse Mortgage Calculator

See how much equity you can access in your home and calculate the costs of the loan.

Income Annualisation Calculator

Work out your annual income from the money you’ve received so far this year.

Income Gross Up Calculator

Savings Goal Calculator How Long to Save

Savings Goal Calculator How Much to Deposit

Fortnightly Repayment Calculator

Mortgage Switching Calculator

See what it costs to move your loan to a new lender.

Rent vs Buy Calculator