Home Loans Australia :: Calculators

Home Loans Australia Financial Calculators

Welcome to Home Loans Australia, your go-to destination for empowering financial decisions. Dive into our suite of calculators tailored to enhance your financial insights and guide you on your path to prosperity.

Available Calculators

Income Protection Insurance Calculator
Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.
Home Loan Repayment Calculator
Calculate home loan repayments with our Home Loan Repayment Calculator. View detailed amortization charts, compare loan terms, and plan your mortgage with confidence.
Fortnightly Repayment Calculator
See how switching from monthly to fortnightly repayments could save you money. Use our Fortnightly Repayment Calculator to compare schedules and reduce your mortgage faster.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.


Home Loans Articles

Interest Rates and Investment Properties: What Aussie Investors Need to Know
Interest Rates and Investment Properties: What Aussie Investors Need to Know
For potential and seasoned investors alike, the Australian property landscape offers a plethora of opportunities. Investment properties have long been a favored asset class in Australia due to the potential for capital growth and rental yield. However, diving into the property market without a solid understanding of the financial mechanics, specifically interest rates, can be akin to sailing without a compass. - read more
Take Back Control: Mortgage Refinance and Debt Consolidation Tips for Aussie Homeowners
Take Back Control: Mortgage Refinance and Debt Consolidation Tips for Aussie Homeowners
As mortgage interest rates continue to rise in Australia, it's becoming more important than ever for homeowners to take control of their finances. This article will provide valuable tips on mortgage refinance and debt consolidation for Aussie homeowners. With the potential for future rate increases by the Reserve Bank of Australia due to inflation concerns, many homeowners are feeling the financial burden. However, by exploring options like refinancing and consolidating debt, homeowners can regain control of their financial situation. - read more
What to Know About Home Loan Pre-Approval for First-Time Buyers
What to Know About Home Loan Pre-Approval for First-Time Buyers
Welcome first-time home buyers! Embarking on the journey to purchase your first home can be both exciting and overwhelming. One of the crucial steps in this process is understanding and obtaining home loan pre-approval. - read more
Understanding Mortgage Insurance: A Guide for Australian Homebuyers
Understanding Mortgage Insurance: A Guide for Australian Homebuyers
Buying a home is a significant milestone for many Australians, but it often involves securing a mortgage, which can be a complex process. An essential part of this process is understanding mortgage insurance. Mortgage insurance is a type of insurance policy that protects lenders from the risk of defaulting borrowers. - read more
The Insider’s Guide to Reducing Mortgage Stress and Staying on Track
The Insider’s Guide to Reducing Mortgage Stress and Staying on Track
Mortgage stress is a common concern among homeowners worldwide, with the potential to cause significant financial and emotional strain. It often occurs when mortgage repayments consume a large portion of your income, leaving little room for other expenses and causing anxiety over financial security. The impact of not managing this stress can be far-reaching, affecting not only one's financial health but also overall wellbeing. - read more

Finance News

Significant Growth in Australian Home Loans in January 2026
Significant Growth in Australian Home Loans in January 2026
01 Apr 2026: Paige Estritori
In January 2026, Australia's housing market experienced a notable surge in home loan approvals, with a 10.6% increase compared to the previous month. This substantial growth far exceeds December's 4.7% rise, highlighting a robust demand for housing credit amid a tight market. - read more
Australian Banks Implement Stricter Mortgage Lending Guidelines
Australian Banks Implement Stricter Mortgage Lending Guidelines
01 Apr 2026: Paige Estritori
In response to rising risk concerns, major Australian banks are tightening their mortgage lending criteria, particularly for loans involving trust and company structures. ANZ, for instance, has introduced new policies requiring borrowers to be existing customers for a specified period before applying for such loans. - read more
CBA Increases Fixed Mortgage Rates in Anticipation of RBA Decisions
CBA Increases Fixed Mortgage Rates in Anticipation of RBA Decisions
01 Apr 2026: Paige Estritori
The Commonwealth Bank of Australia (CBA) has raised its fixed mortgage rates, with the three-year fixed rate increasing to 6.04% from 5.34%, effective January 15, 2026. This adjustment reflects expectations of potential interest rate hikes by the Reserve Bank of Australia (RBA) in the near future. - read more
KPMG Forecasts 7.7% Rise in Australian House Prices for 2026
KPMG Forecasts 7.7% Rise in Australian House Prices for 2026
24 Mar 2026: Paige Estritori
According to KPMG's latest Residential Property Outlook, Australian house prices are projected to increase by 7.7% in 2026. This forecast indicates a continuation of the strong momentum observed in the property market during the latter half of 2025, driven by government policies and inflationary pressures. - read more
ANZ Predicts Diverging Trends in Australian Housing Market for 2026
ANZ Predicts Diverging Trends in Australian Housing Market for 2026
24 Mar 2026: Paige Estritori
ANZ Research has indicated that Australia's housing market may be approaching a modest slowdown, with regional variations becoming more pronounced. Economists Madeline Dunk and Jack Chambers suggest that leading indicators point to fading momentum, particularly in certain areas. - read more

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Equity:
The value of an ownership interest in an asset or company, after all debts and liabilities are deducted.