Make informed decisions with our suite of free, accurate Australian home loan calculators. Get instant results, compare scenarios, and discover how much you can save.
Each calculator is designed to give you accurate, instant results. Start with any tool below to begin your home loan journey.
Discover how much you can borrow based on your income, expenses, and deposit. Get instant pre-qualification estimates.
Monthly searches
28,000
✅ Know your budget before house hunting
Calculate your monthly home loan repayments with different interest rates, loan terms, and repayment frequencies.
Monthly searches
24,000
✅ Budget accurately for your new home
Find out how much stamp duty you'll pay in your state. Includes first home buyer concessions and exemptions.
Monthly searches
18,000
✅ Plan for upfront costs and savings
Compare up to 3 home loans side-by-side. See which loan saves you the most over the life of your mortgage.
Monthly searches
12,000
✅ Choose the best loan for your situation
Check if your deposit meets lender requirements for genuine savings. Understand what counts and what doesn't.
Monthly searches
8,000
✅ Avoid LMI and secure better rates
See how extra repayments can save you thousands in interest and help you pay off your loan years earlier.
Monthly searches
6,000
✅ Save thousands and pay off faster
Our calculators use current Australian lending criteria, interest rates, and government grants. Get accurate results relevant to your situation.
No waiting, no forms to fill out first. Enter your details and see results update in real-time as you adjust the numbers.
Every calculator provides context, tips, and next steps. Understand the numbers and what they mean for your financial future.
All calculators meet Australian Securities and Investments Commission (ASIC) standards for accuracy and transparency.
Our calculators give you the numbers, but expert advice helps you make the right decisions. Book a complimentary consultation with a Ding Financial mortgage broker.
No obligation. 30-minute consultation with a qualified broker.
Common questions about our home loan calculators
Our calculators use current lending criteria and industry-standard formulas to provide general estimates. However, results are indicative only and should not be relied upon as financial advice. Your actual borrowing capacity and loan terms depend on individual lender assessment and your complete financial situation.
No. All calculators work without requiring any personal details. Enter numbers anonymously and get instant results. We only ask for contact information if you choose to book a consultation.
Yes. Each calculator has a "Save Results" or "Print" button. You can also take screenshots or email the results to yourself for future reference.
Our calculators are independent tools designed to help you understand general loan scenarios. Bank calculators typically show results based on their specific products and policies. Our brokers can then help you compare options across different lenders.
Book a complimentary consultation with one of our brokers. They'll review your results, assess your full financial picture, and guide you through the loan application process.
Professional tools built by mortgage brokers for Australian borrowers
All calculations follow Australian regulatory standards
No personal information required to use calculators
Real-time calculations as you adjust parameters
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:
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:
Regulatory Compliance: Ding Financial 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, Ding Financial makes no representations or warranties about the completeness, accuracy, or reliability of the information provided.
Liability: To the maximum extent permitted by law, Ding Financial disclaims all liability for any loss or damage arising from your use of this calculator or reliance on its results.
Need Personalized Advice? Contact our licensed mortgage brokers for a comprehensive assessment tailored to your circumstances.
Speak with a licensed mortgage broker for personalized recommendations