Mortgage calculators

Instant, no-sign-up tools to help you plan with confidence. Results are indicative — ask us for tailored advice.

Mortgage Repayment

Estimate monthly or fortnightly repayments and total interest over the life of the loan.

Borrowing Power

See an indicative borrowing capacity based on income, expenses and dependants.

Stamp Duty

Estimate transfer duty by state and FHB concession status.

Refinance Savings

Compare your current loan against a new rate and see potential savings instantly.

Home Equity & Buy-Out

Estimate usable equity — or the amount needed to buy out another party’s share.

Yes, all our calculators are completely free with no sign-up required. Use them as often as you like to explore different scenarios and plan your property journey.

Our calculators provide indicative estimates based on standard formulas and publicly available data. Actual outcomes depend on individual lender policies, your personal financial situation, and market conditions. For precise figures tailored to you, speak with one of our brokers.

If you are buying your first home, start with the Borrowing Power calculator to understand your budget, then use the Stamp Duty calculator to factor in government charges. If you already have a mortgage, the Refinance Savings calculator will show whether switching could save you money.

Absolutely. Every calculator page includes an enquiry form, or you can call us directly. Our CPA-certified brokers will take your calculator inputs, layer on real lender policy and your full financial picture, and deliver a tailored recommendation — at no cost to you for most residential loans.

Important Disclaimer

This calculator provides general estimates only. The results are indicative and should not be relied upon as financial advice, a quote, or a guarantee of loan approval or terms.

Your actual borrowing capacity, repayments, stamp duty, and other costs may differ based on:

Individual lender assessment criteria and policies
Your complete financial circumstances, credit history, and employment status
Current interest rates, government policies, and market conditions
Property type, location, and intended use (owner-occupied vs. investment)
Additional fees, charges, and conditions not captured in this calculator

General Advice Warning

Any information provided by this calculator is general in nature and does not take into account your personal objectives, financial situation, or needs.

Before making any financial decisions, you should:

Consider whether the information is appropriate for your circumstances
Read the relevant Product Disclosure Statement (PDS) or loan documents
Seek professional financial advice tailored to your situation
Compare multiple lenders and loan products

Regulatory Compliance: Local Knowledge Finance is committed to compliance with all applicable Australian Securities and Investments Commission (ASIC) regulations and the National Consumer Credit Protection Act 2009.

Not Financial Advice: This calculator and its outputs do not constitute financial advice, credit assistance, or a recommendation to enter into any particular loan or financial product.

Accuracy: While we strive to ensure the accuracy of this calculator, Local Knowledge Finance makes no representations or warranties about the completeness, accuracy, or reliability of the information provided.

Liability: To the maximum extent permitted by law, Local Knowledge Finance disclaims all liability for any loss or damage arising from your use of this calculator or reliance on its results.

Need Personalised Advice?

Contact our licensed mortgage brokers for a comprehensive assessment tailored to your circumstances.

Get personalised advice

Ding Financial Pty Ltd (trading as Local Knowledge Finance) ACN 110 490 947 is an authorised Credit Representative Number 517980 of Global Mutual Funds Pty Ltd ACN 090 555 436 AFSL/Australian Credit Licence 222640.