Smarter home loan decisions, start with the numbers.
Use our free Australian mortgage calculators to plan your purchase or refinance — then book a free 15-minute chat with an XLOANS broker to make it happen.
Instant repayment estimate
30-yr P&IWant this in writing? We'll email your estimate and a broker will sanity-check it for free.
Estimate only — actual rates and repayments vary by lender and your situation.
14 free calculators
Every stage — buying, refinancing and paying off sooner.
15 minutes, no pressure
A friendly chat with a real broker. No cost to you.
Whole-of-market
We compare a wide panel of lenders to fit your goals.
Where are you up to?
Pick the path that sounds like you and we'll point you straight at the right numbers.
Buying my first home
Grants, stamp duty concessions and the 5% deposit scheme all differ by state. Start with yours.
First Home Buyer HubRefinancing or moving up
See what a better rate is worth, what switching actually costs, and how much equity you can use.
How to refinancePaying it off sooner
Offset, extra repayments and investment cashflow — the levers that cut years off your loan.
Offset vs redraw guideTalk to a broker, no strings attached.
Book a quick, no-pressure call. We'll review your goals and show you exactly what's possible — whether you're buying, refinancing or just exploring.
- 1
Share a few details
Just your name and email — no long forms, no commitment.
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We pick a time that suits
A broker reaches out to lock in a quick 15-minute chat.
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Get clear next steps
Honest, tailored advice on your home loan — at no cost to you.