Mortgage calculators

Run a repayment estimate below, or jump to the dedicated calculators — extra repayments, QLD stamp duty and borrowing power. All estimates, all a starting point — the real numbers depend on lender policy, your income, expenses and your full situation.

Repayment calculator

Estimate your repayments — and what extra repayments could save

Enter the loan amount, the rate on your offer or statement, and the term. Add an optional extra repayment to see how much sooner the loan could be gone, and how much interest that could avoid.

The maths is standard amortisation. Fortnightly figures assume 26 payments a year, each half the monthly repayment. The estimate does not include fees, offset accounts or future rate changes.

Your numbers

Estimates only — not a quote, a comparison rate, or an indication that you qualify. Your actual repayments depend on the lender's calculation, fees and your circumstances. General information only; check figures with the MoneySmart mortgage calculator. Fortnightly repayments are calculated as half the monthly repayment, paid 26 times a year.

Ask John to review these numbers

Dedicated calculators

Go deeper on one question

Each calculator has its own page with the maths, what the result means and what it leaves out.

Home loan repayments

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

Estimate repayments

Extra repayments

What paying a bit more each period saves in years and interest — the loyalty-tax antidote.

See time & interest saved

QLD stamp duty

Transfer duty with the current first home and home concessions, straight from the QRO rates.

Estimate QLD duty

Borrowing power

A rough borrowing range from income, expenses and a 3% buffer. A conversation starter, not an approval.

Estimate a range

Other tools

Cross-check with official calculators

MoneySmart mortgage calculator

The government's repayment calculator. A good cross-check for the estimate above.

Open the MoneySmart calculator

MoneySmart borrowing power

A rough guide to what you might borrow. Every lender calculates this differently, so treat it as a range.

Estimate borrowing power

Queensland transfer duty

Transfer (stamp) duty in Queensland is set by the state, with concessions for some buyers.

Check duty with Queensland Revenue Office

Reviewing your current loan

Numbers only tell part of the story. John compares your loan against current lender policy, not averages.

How a refinance review works

Useful mortgage information

Understand the question before making the decision

These resources are here to help you prepare for a practical conversation with John.

John Carson-ZangorDirect help from a residential mortgage broker based in Bethania, Logan.

Talk with John