mortgage calculators
Looking to estimate your borrowing power or home loan repayments? Our mortgage calculators are designed to help you understand your options before making your next move.
Whether you're purchasing your first home, refinancing, or investing in property, these tools can give you a helpful starting point. While calculators provide estimates only, they’re a great way to begin planning with confidence.
Home Loan Repayment Calculator
This repayment calculator helps you estimate your monthly repayments based on loan amount, interest rate, and loan term.
You can adjust the interest rate or loan term to compare different scenarios and see how they impact your repayments.
Understanding your repayment position is an important step when planning to purchase or refinance.
Stamp Duty Calculator
If you're buying property in Sydney or anywhere in NSW, stamp duty can be a significant upfront cost.
Use this calculator to estimate the stamp duty payable based on the property value and whether you qualify for first home buyer concessions.This repayment calculator helps you estimate your monthly repayments based on loan amount, interest rate, and loan term.
Extra Repayment Calculator
Making additional repayments can reduce the total interest paid over the life of your loan.
This calculator shows how even small extra repayments can shorten your loan term and potentially save thousands in interest.
split loan Calculator
A split home loan allows you to divide your loan into fixed and variable portions.
This calculator helps you explore how different splits may affect your repayments and flexibility.
Borrowing Power Calculator
Use this calculator to estimate how much you may be able to borrow based on your income, expenses, and existing commitments.
Keep in mind that each lender has different policies. Factors such as living expenses, credit history, dependants, and the type of property you're purchasing can all impact your borrowing capacity.
Rent vs Buy Calculator
Trying to decide whether to continue renting or purchase a property?
This calculator compares the long-term financial impact of renting versus buying. It considers factors such as property growth, rental increases, loan repayments, and upfront costs.
Are Mortgage Calculators Accurate?
Mortgage calculators provide general estimates only. They do not account for lender-specific policies, credit policies, or detailed financial assessments.
For example, lenders may treat overtime income, bonuses, self-employed earnings, or existing debts differently. Living expense benchmarks and borrowing policies also vary between lenders.
These tools are a starting point — not a final answer.
Looking for Personalised Advice?
Our mortgage calculators are designed to give you a useful guide before taking the next step. If you’d like a borrowing assessment or guidance on comparing home loan options across Sydney, we’re happy to help.
Complete Home Loans provides personalised mortgage advice, with locations in Camden and Newtown.