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.
Home Loan Refinance Calculator
Explore the pros and cons of refinancing your home loan with comparison amortization schedules, break-even points, and charts to help illustrate your proposed refinancing options.

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
Creating a Personalized Savings Plan for Your Home Deposit
Creating a Personalized Savings Plan for Your Home Deposit
Buying a home is one of the most significant financial commitments you will make in your lifetime. Without a solid savings plan, you may find it challenging to gather the necessary funds for a home deposit. This can delay your home-buying journey and add unnecessary stress to an already high-stakes process. - read more
Understanding Stamp Duty: What First-Time Buyers in Australia Need to Know
Understanding Stamp Duty: What First-Time Buyers in Australia Need to Know
Welcome to the exciting and sometimes complex world of real estate in Australia! If you are on the cusp of purchasing your first home, you've probably heard about stamp duty. But what exactly is it? Stamp duty is a form of tax imposed by Australian states and territories on property transactions. This tax is usually a percentage of the property purchase price or market value and is a legal requirement for most property sales. - read more
Exploring Different Refinancing Strategies to Ease Your Mortgage Stress
Exploring Different Refinancing Strategies to Ease Your Mortgage Stress
When it comes to managing finances, one of the biggest stressors for homeowners is their mortgage. In Australia, many individuals and families struggle with mortgage stress, which can have a significant impact on their overall financial well-being. - read more
The Investor's Toolkit: Managing Risks in Investment Property Financing
The Investor's Toolkit: Managing Risks in Investment Property Financing
Welcome to our comprehensive guide on navigating the complexities of investment property financing. In Australia, property investment has long been regarded as a favoured strategy for wealth creation and financial security. However, this path comes with its unique set of challenges and risks that must be carefully managed to ensure a successful investment journey. - read more

Finance News

APRA Introduces New Cap on High Debt-to-Income Home Loans
APRA Introduces New Cap on High Debt-to-Income Home Loans
11 May 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has implemented a significant policy change aimed at bolstering financial stability within the housing market. Effective from 1 February 2026, APRA has imposed a cap limiting banks to issuing no more than 20% of new home loans to borrowers with a debt-to-income (DTI) ratio of six times or higher. This measure is designed to curb the rise in high-risk lending practices and mitigate potential vulnerabilities in the financial system. - read more
Australian Banks Respond to RBA's Interest Rate Increase
Australian Banks Respond to RBA's Interest Rate Increase
11 May 2026: Paige Estritori
In response to the Reserve Bank of Australia's (RBA) recent decision to raise the official cash rate by 0.25 percentage points to 3.85%, Australia's major banks have announced corresponding increases in their home loan variable interest rates. This move marks the first cash rate hike in two years and reflects the central bank's efforts to address rising inflation and economic growth concerns. - read more
Finder Reveals Australia's Best Home Loans for 2026
Finder Reveals Australia's Best Home Loans for 2026
11 May 2026: Paige Estritori
To assist Australians in navigating the complex home loan market, Finder has announced the winners of its Home Loans Awards for 2026. These awards highlight the top-performing mortgage products and lenders across 15 categories, providing valuable insights for prospective borrowers. - read more
APRA Implements New Cap on High Debt-to-Income Home Loans
APRA Implements New Cap on High Debt-to-Income Home Loans
03 May 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at enhancing financial stability within the housing market. Effective from 1 February 2026, APRA will impose a cap limiting banks to issuing no more than 20% of new home loans to borrowers with a debt-to-income (DTI) ratio of six times or higher. This measure is designed to curb the rise in high-risk lending practices and mitigate potential vulnerabilities in the financial system. - read more
Australian Banks Respond to RBA's Interest Rate Increase
Australian Banks Respond to RBA's Interest Rate Increase
03 May 2026: Paige Estritori
In response to the Reserve Bank of Australia's (RBA) recent decision to raise the official cash rate by 0.25 percentage points to 3.85%, Australia's major banks have announced corresponding increases in their home loan variable interest rates. This move marks the first cash rate hike in two years and reflects the central bank's efforts to address rising inflation and economic growth concerns. - read more

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Knowledgebase
Second Mortgage:
A type of subordinate mortgage made while an original mortgage is still in effect.