Mortgage calculators. Plan your home loan with Shane's free, easy-to-use calculators. Instant estimates for borrowing power, repayments, stamp duty and refinancing savings.
Run your numbers
Use the calculators as a guide, then speak with Shane for a full assessment across 30+ lenders, at no cost to you.
Mortgage repayment calculator
Calculate your monthly mortgage payments based on loan amount, interest rate, and loan term.
Your monthly repayment
Based on a fixed rate. Actual payments may vary if rates change.
Stamp duty calculator
Calculate stamp duty on your property purchase for any Australian state or territory. Includes first home buyer concessions and foreign buyer surcharges.
Stamp duty breakdown
Rates are based on publicly available 2026–27 schedules (effective 1 July 2026). Government fees are updated annually. First home buyer concessions, owner-occupier rates, and foreign surcharges vary by state. Always confirm with your state revenue office.
Borrowing power calculator
Estimate how much you can borrow based on your income, living expenses, and debts. A minimum expense floor (HEM) is applied, just like the banks.
Your situation
Income
Monthly living expenses
Financial commitments
Loan details
Your estimated borrowing power
Lenders also differ in how they treat income, credit cards and living expenses, so the same application can get quite different answers from different banks. Part of Shane's job is knowing which lender's rules suit your situation.
See your full breakdown
Enter your email to see your monthly numbers and how the 3% assessment buffer affects you.
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Thanks. Your full breakdown is above. If you'd like to talk through what you could borrow across 30+ lenders, book a time with Shane.
Book a free callThis estimate uses a 3% interest rate buffer and applies a HEM (Household Expenditure Measure) floor on living expenses, the same approach used by most Australian lenders. Actual borrowing power may vary depending on your credit history, employment status, and lender assessment.
Refinancing savings calculator
Calculate how much you could save by refinancing to a lower interest rate.
Your refinancing savings
Estimates assume consistent payments over the term. Actual savings depend on rate movements and loan circumstances.
Every lender assesses the same numbers differently. Send Shane your situation and he will run it through the real lender calculators.
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Shane has been absolutely amazing. His professionalism and availability at every step made this whole process so much easier. He answered all our 1,000 questions with such patience and expertise, which gave us the confidence to take this big step. We truly recommend him.
Shane's knowledge, expertise, efficiency, communication & customer service is top tier. He was super helpful in explaining things I didn't understand & in a timely manner. Kept us informed at all times as to where our application was at etc. Would definitely recommend. 10/10. Thanks Shane!
I had a great experience working with Shane. He was professional, knowledgeable, and always quick to respond to any questions or concerns I had throughout the process. His communication was excellent, and he made everything straightforward and stress-free. I really appreciated his reliability and dedication, and I wouldn't hesitate to recommend him to anyone looking for a trustworthy broker.
Finding the right mortgage broker can be daunting, but save yourself the time and go to Shane from Finance Craft. He is experienced, responsive, and patient with all questions. Shane acted promptly to remove any blockers and challenges, ensuring a smooth and stress-free process. He was always available for questions and calls, demonstrating his commitment and dedication, guiding us every step of the way and making the entire experience seamless. We will use his services for future property finance matters. Highly recommended, thanks Shane!
How these calculators work
How is borrowing power calculated in Australia?
Lenders start with your gross income, deduct tax, living expenses and existing debt repayments, then test what's left against the proposed loan at a buffered assessment rate, typically 3% above the actual rate. Living expenses are benchmarked against the Household Expenditure Measure (HEM) if your declared figures are lower. Each lender applies its own policy, which is why results vary so widely between banks.
Why do online calculators give different answers to what a lender approves?
Online calculators use simplified assumptions. A lender's real assessment considers your credit history, income type (bonuses, commissions, self-employment), the specific property, and its own credit policy. Treat calculator results as a starting point, not a promise. A broker can run your actual scenario through genuine lender servicing calculators before you apply anywhere.
How are home loan repayments calculated?
Principal and interest repayments are calculated so the loan fully amortises over the term, typically 30 years. Interest is calculated daily on what you still owe, so in the early years most of each repayment goes towards interest, with more paying down the loan itself as the balance falls. Paying fortnightly instead of monthly, or keeping savings in an offset account, reduces the balance faster and can cut years off the loan.
How much is stamp duty in NSW?
NSW transfer duty is tiered by purchase price, and on a typical Sydney Eastern Suburbs purchase it often runs to tens of thousands of dollars. First home buyers are exempt on properties up to $800,000 and receive concessional rates up to $1 million. The stamp duty calculator above covers all Australian states and buyer types.
How do I work out if refinancing is worth it?
Compare the interest saved from a lower rate against the switching costs, typically discharge and registration fees of a few hundred dollars, plus any break costs on a fixed loan. The break-even point is usually within months, not years. The refinancing calculator above shows your estimated savings and break-even timeframe based on your current and new rate.
Ready to take the next step?
Book a free call. No obligation. Just a full assessment across 30+ lenders, at no cost to you.
Your local Sydney Eastern Suburbs broker
Shane specialises in helping clients across Coogee, Clovelly, Bronte, Bondi, and all surrounding Eastern Suburbs.