Mortgage Calculators

Crunch the
numbers, properly.

Six accurate calculators built for Australian borrowers. Estimate your repayments, borrowing power, stamp duty in Victoria, LMI, refinancing savings, and the impact of extra repayments. These are guides only — for an exact assessment of your circumstances, book a consultation with us.

Home Loan Repayment.

See your estimated repayments based on your loan amount, interest rate, and term. Adjust the variables to compare scenarios.

$
%
Your Repayment
$3,940
per month
Total interest paid$768,400
Total amount repaid$1,418,400
Discuss your scenario →

Borrowing Power.

An indicative estimate of how much you could borrow based on your income and existing commitments. Lender criteria vary — this is a guide only.

$
$
%
Estimated Borrowing Capacity
$680,000
indicative range
Estimated max repayment$5,600/mo
Net surplus available$5,600/mo
Get a precise pre-approval →

Stamp Duty Calculator.

Estimate land transfer duty (stamp duty) for property purchases in any Australian state or territory. Includes first home buyer concessions, grants, and foreign purchaser surcharges. See the full state-by-state guide →

$
Estimated Stamp Duty (VIC)
$45,070
based on owner-occupier rates
Concession appliedNone
Total government cost$45,070
Total upfront (price + costs)$895,070
Plan the full upfront cost →

Lenders Mortgage Insurance.

If your deposit is less than 20% of the property value, lenders typically charge LMI to protect themselves. This estimates the premium.

$
$
Estimated LMI Premium
$14,580
at 90.0% LVR
Loan-to-Value Ratio90.0%
Loan amount + LMI capitalised$734,580
Explore LMI alternatives →

Refinance Savings.

See how much you could save by refinancing your existing home loan to a lower interest rate.

$
%
%
Estimated Lifetime Savings
$76,800
over the remaining loan term
Monthly repayment saving$256
Annual saving$3,072
Get a refinance review →

Extra Repayments.

Even small extra repayments can dramatically reduce your loan term and total interest. See the impact.

$
%
$
Time Saved
5 yrs 3 mo
paying off your loan faster
Total interest saved$98,500
New payoff timeframe22.7 years
Strategise your repayments →
These calculators are for illustrative purposes only. They do not constitute credit, financial, or tax advice, and are not a guarantee of loan approval or borrowing eligibility. They provide estimates only based on the inputs you provide and standard assumptions. The stamp duty calculator uses rates and thresholds current as of May 2026 and sourced from the state and territory revenue offices; stamp duty legislation changes regularly, so always verify with the relevant State Revenue Office. Actual loan amounts, repayments, fees, grants, and duties may vary based on your specific circumstances, lender policies, and current legislation. Use these results as a guide. For a precise, tailored assessment of your borrowing options, book a consultation with NMS.