Mortgage calculators & tools
Free, instant and built for Australian borrowers. Use any tool below to plan your next move, then book a free 15-minute chat with a broker to take action.
Home Loan Repayment Calculator
Estimate your principal & interest repayments and total interest over the life of your loan.
Open calculatorBorrowing Power Calculator
See how much you could borrow based on your income, expenses and existing commitments.
Open calculatorRefinance Savings Calculator
Compare your current loan to a new rate and see how much you could save by refinancing.
Open calculatorStamp Duty Calculator
Calculate transfer (stamp) duty for every Australian state and territory.
Open calculatorLMI Calculator
Estimate Lenders Mortgage Insurance based on your deposit and property value.
Open calculatorOffset Account Calculator
Discover how an offset account can reduce your interest and shave years off your loan.
Open calculatorRent vs Buy Calculator
Weigh up the long-term cost of renting against buying your own home.
Open calculatorProperty Purchase Cost Calculator
Add up your full upfront cost of buying — deposit, stamp duty, LMI and fees.
Open calculatorIncome Annualisation Calculator (YTD)
Annualise your year-to-date (YTD) gross pay into a full-year income figure the way mortgage lenders do.
Open calculatorOffset vs High Interest Savings Calculator
Find the savings rate you'd need to beat an offset account once tax is taken out — usually far higher than you'd expect.
Open calculatorLike what the numbers show?
Book a free, no-obligation 15-minute chat with a XLOANS broker. We'll help you take the next step.