Home Loan Calculators
Home Loan Calculators Overview
When it comes to home loans there is no better tool than having a variety of home loan calculators to work with and we have prepared a number of home loan calculators for your benefit.
The home loan calculators we have provided you can provide you with a snapshot of your potential home loan borrowing power, what impact making additional home loan repayments would make or the ability to compare two home loans side by side.
A summary of how to use these home loan calculators is provided below so we invite you to use the home loan calculators and then contact us for more information about the right home loan.
Just click on the relevant home loan calculator link below to use the home loan calculator of your choice:
The home loan calculators provide you with an indicative result so to find out more detail on a home loan repayment, your home loan borrowing capacity or anything regarding a home loan simply contact us and a home loan consultant will assist you.
How do I use the Home Loan Amortisation calculator?
This home loan calculator provides you with information on how much home loan interest you will pay and what amount of principal in reduced over a term you nominate.
To use the home loan amortisation calculator just input the following:
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Home Loan Amount |
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Home Loan Interest Rate |
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Home Loan Term (up to 30 years) |
How do I use the Home Loan Maximum Borrowing Capacity Calculator?
The home loan maximum borrowing capacity calculator provides you with an estimate of how much you can borrow on a home loan.
What the home loan maximum borrowing capacity calculator does is take into account the below information to provide you with a result on your home loan borrowing power:
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Gross annual income/s |
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Credit Card limit/s |
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Other monthly loan commitments including home loans, personal loans etc |
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Number of adults and dependants as applicable |
The home loan maximum borrowing capacity calculator already factors in the average living expenses based on the adults and dependants you input.
How do I use the Stamp Duty Calculator?
This calculator provides you with a snapshot of government fees and charges in relation to purchasing a home for example; home loan duty, title transfer fees and home loan registration fees as applicable to each state and territory in Australia.
The calculator can be used for either owner occupied or investment purposes as there are different scales of duty in some states.
Simply input the below information for a result:
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Purchase price |
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Home Loan Amount |
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Select either investment or owner occupied |
Note – For first home owners there are a number of concessions available and each state has different rulings so please refer to our First Home Owners Grant section or contact us and one of our home loan consultants will assist.
How do I use the Home Loan Interest Savings Calculator?
An often asked question is how much will I save on my home loan if I make extra repayments.
To make the answer simple we have designed a home loan interest savings calculator which will clearly show you the amount of interest and time saved if you make additional repayments on your home loan.
To get a result all you need to input is the below:
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Home Loan Amount |
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Home Loan Interest Rate |
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Home Loan Term (up to 30yrs) |
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Additional Home Loan Repayments |
Once you’ve entered this information into the home loan interest savings calculator simply click on the input button to obtain a result.
How do I use the Home Loan Salary Crediting Calculator?
The home loan salary crediting calculator gives you an indication of the home loan interest savings if you elect to have your income paid directly into your home loan account.
The information required to obtain a result is listed below for you:
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Home Loan Amount |
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Home Loan Interest Rate |
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Home Loan Term (up to 30yrs) |
We have also allowed you to factor in real life expenses to obtain a more accurate result and an example of these are listed below:
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Holidays |
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Restaurants |
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Clothing |
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Private |
Once you have entered the information you believe reflects your lifestyle expenses and relevant home loan information you can obtain a result by clicking the input button.
How do I use the Home Loan Comparison Calculator?
A great way to compare home loans is to use the home loan comparison calculator, this home loan calculator not only takes into account the home loan repayments based on the home loan interest rate but also factors in monthly or yearly home loan fees.
This will then provide you with a true cost of your home loan as fees and charges can be factored in, to obtain a result all you need to do is input the following:
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Home Loan Amount |
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Home Loan Term (up to 30yrs) |
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Home Loan Interest Rate |
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Home Loan Fees |
Once this information is entered just click the input button and a comparison of the true cost of the home loan will be provided.
How do I use the Investment Home Loan Calculator?
The investment home loan calculator gives you a snapshot of potential tax benefits based on the information you enter.
The investment home loan calculator should only be considered a guide and we suggest you seek tax advice from a qualified professional.
There is provision within the investment home loan calculator to enter items such as council rates, agent fees, strata fees, water rates, depreciation, home loan interest rates and so on.
What is my next step in obtaining a home loan?
We hope that the various home loan calculators have assisted you in understanding many aspects of a home loan and your financial position.
We now invite you to contact us and have one of our home loan consultants guide you through the various home loan options available.
Other useful links within our site: -
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