Use our free calculators to model your repayments, borrowing capacity, stamp duty, and more — up to $5 million over 30 years. All figures are estimates only.
Loan Repayment Calculator
Calculate your regular repayments for any loan amount up to $5 million over up to 30 years.
$50,000$5,000,000
1 Year30 Years
1%15%
📊 Your Estimate
Repayment
$0
Total Repaid
$0
Total Interest
$0
* Estimates only. Does not include fees, charges, or rate changes. Speak with a MortgageHQ broker for a personalised assessment.
Borrowing Power Calculator
Estimate how much you may be able to borrow based on your income, expenses, and existing debts.
Your total before-tax salary/income
Leave as 0 if applying solo
Food, utilities, transport, etc.
Credit cards, car loans, personal loans
Lenders typically assess at ~3% above rate
💡 Estimated Borrowing Power
Max Borrowing
$0
Monthly Surplus
$0
Net Monthly Income
$0
* Indicative estimate only. Actual borrowing capacity varies by lender, employment type, credit history, and individual circumstances. Contact MortgageHQ for a full assessment.
Loan Comparison Calculator
Compare two loan options side by side — different rates, terms, or loan amounts to find the best outcome.
Option A
Option B
⚖️ Side-by-Side Comparison
* Comparison based on P&I monthly repayments. Fees compounded over loan term. For guidance only.
Stamp Duty Calculator
Estimate stamp duty (transfer duty) based on your state, property value, and buyer type.
$100,000$5,000,000
📋 Estimated Costs
Stamp Duty
$0
Transfer & Reg. Fees
$0
Total Upfront Costs
$0
* Stamp duty rates are indicative and based on general schedules. Concessions and exemptions vary. Always verify with your state revenue office or solicitor.
Offset Account Savings Calculator
See how keeping money in an offset account reduces your interest and cuts years off your loan.
Average balance kept in offset
🎯 Offset Impact
Interest Saved
$0
Time Saved
0 yrs
Monthly Saving
$0
* Assumes constant offset balance. Actual savings depend on account activity and lender terms.
Extra Repayments Calculator
Find out how much time and interest you save by making extra repayments on top of your minimum.
🚀 Extra Repayment Impact
Time Saved
0
Interest Saved
$0
Loan Paid Off
—
Standard Monthly
$0
New Monthly
$0
Total Interest (Std)
$0
* Assumes extra repayments applied from loan commencement. Variable rate loans may have conditions on extra repayments.
Ready to Take the Next Step?
Talk to a MortgageHQ Broker
These calculators give you a solid starting point. Our brokers provide a full picture — including lender options, real rates, and a strategy tailored to you.
