Home Loan Calculators

There’s so much to think about when you’re planning to buy a house.

At Positive Home Loans we know that it can be overwhelming to work out your budget, and how much everything is going to cost. This is why we’ve put together these essential calculators so you can quickly and easily work out exactly where you’ll stand.

Home loan calculators for accurate estimates of buying your new home

These calculators will give you a rough idea of what to expect.

How Much Can I Borrow?

This is the first question you’ll want answered so you can start to look for your new property. Find out now how much you can afford.

Our calculator considers your current assets and savings, as well as your income and expenses. It'll give you a ballpark figure of how much you can spend on a home or property.

For an accurate idea of the size of the mortgage that you will qualify for, make an appointment with one of our Home Lending Specialists today.

Stamp Duty Calculator

How much extra will you need to save for your one-off purchasing fees?

When purchasing a property, saving a deposit isn't the only thing you'll need to plan for. You'll also need to save up some money for the one-off costs like Title transfer, conveyancing fees, building inspections, and government stamp duty

The exact amount of these fees varies by state but usually comes to approximately 5% of the total purchase price. When you apply for a home loan pre-approval, your Home Lending Specialist will be able to give you an accurate idea of the fees for the location and type of property you're seeking.

Mortgage Repayment Calculator

Be prepared with a budget so you set aside enough each pay cycle to meet your repayments.

Based on your current income, this calculator will give you an idea of how much you can afford to make for each loan repayment. You can adjust it to match your pay cycle, whether it's weekly, fortnightly or monthly.

It can be wise not to go to the maximum repayment that you can afford to allow for the unexpected. You'll also need to allow for home insurance and other costs of ownership. Discuss your own circumstances and income projection with a Positive Home Loan expert to get a clear picture of exactly where you'll stand.

Home Loan Comparison Calculator

Which loans have the lowest repayments? Plan now to save in the future.

Speak to a broker about the additional features you might get with your home loan. Having the right home loan for your lifestyle makes a world of difference.

Extra Home Loan Repayments Calculator

For when you have a little extra cash - how will making extra payments affect your total loan?

Loan Repayment Calculator

How long will it take to pay back the entire mortgage? You'll want to know so that you can make you plans for the future.

Whether you're investing, planning a family or looking to travel, knowing the term of your loan and how long it'll be until you pay down the principal of the loan will help you make the right decisions.

Savings Target Calculator

Once you know how much you want to spend on your property, you'll be able to calculate how much deposit you need, and what your one-off costs will be. Now you're ready to get serious. Based on your current income, how long will it take to reach your savings goals?

Now you’ve taken a few minutes to get an idea of where you’ll stand, you’re in a better position to plan your future and set realistic objectives. If you’re after some more information, have any unanswered questions or just want to talk to someone, give us a call on 1300 366 287, or fill out our home loan pre-approval form to get a call from our expert brokers.

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Be informed for those big decisions

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