Finfident: Simplifying Home Loans with Confidence
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Home loan calculators

37 free tools, in order of what our clients use most. Start with the Loan Compass for a full check-up, or jump straight to a calculator. Estimates only; a Finfident broker can confirm what lenders will actually approve.

#1 · Free check-up

Finfident Loan Compass

The one to start with. Buying? See your borrowing power, price range, LMI and the 5% Deposit Scheme. Already own? A Loan Health Check on every loan, your equity, possible savings and a free valuation. Save your report as a PDF.

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Most popular

Borrowing power
#2

Borrowing power

Estimate how much you may be able to borrow based on your income, expenses and commitments.

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Refinance savings
#3

Refinance savings

Compare your rate with ours over a standard 30-year term, including switching costs and break-even.

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Repayments
#4

Repayments

Work out weekly, fortnightly or monthly repayments for any loan amount, rate and term.

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LMI estimate
#5

LMI estimate

Estimate lenders mortgage insurance and a likely range, because LMI differs between lenders.

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Stamp duty
#6

Stamp duty

Estimate transfer duty in any state, including first home buyer concessions.

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5% Deposit Scheme check
#7

5% Deposit Scheme check

See if you could buy with a 5% deposit and no LMI under the government scheme.

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Built by Finfident

Our own tools, pre-filled with Finfident's current example rate. Save any result as a branded PDF.

Rate rise impact FinfidentWhat the 2026 rate rises cost youHome equity FinfidentHow much equity could you use?LVR FinfidentYour loan-to-value ratio and LMI triggerDeposit savings FinfidentHow long to save your depositExtra repayments FinfidentWhat a little extra each month saves

Buying and selling

Buying costsEvery upfront cost of buyingRent vs buyIs buying better than renting?How long to saveWhen will I reach my goal?Savings goalHow much to save each monthSelling costsAgent, marketing and legal costs

Managing your home loan

Offset accountInterest and time an offset savesMortgage switchingIs switching lenders worth it?Split loanFixed and variable togetherInterest onlyInterest only vs principal and interestExtra repayment plannerDetailed extra repayment modelLump sum repaymentWhat a one-off payment doesFortnightly repaymentsPay fortnightly, finish soonerHow long to repayWhen will my loan be paid off?Loan comparisonWhich of two loans costs less?Comparison rateThe true cost including feesIntroductory rateIs the honeymoon rate worth it?Reverse mortgageEquity access for 60+

Income, budget and savings

Budget plannerWhere does my money go?Income taxTax and take-home payIncome gross-upFrom take-home to gross incomeIncome annualisationPayslip year-to-date to yearlySavingsWatch your savings growCompound interestInterest on interestCredit cardHow long to clear my card?LeasingCar and equipment leases

Calculators marked Finfident are built and maintained by Finfident Finance Brokers. Other calculators are provided by Vision Abacus Pty Ltd for FBAA members. All results are estimates for general guidance only, aren't financial advice, a quote, an offer of credit or a pre-approval, and don't take into account all of your circumstances or lender criteria. Finfident Finance Brokers (ABN 94 679 280 801) is Credit Representative 569374 of Outsource Financial Pty Ltd, Australian Credit Licence 384324.

Free Loan Compass