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

Common Mistakes First-Time Home Buyers Should Avoid
Common Mistakes First-Time Home Buyers Should Avoid
Purchasing a home is likely the most significant financial decision you'll make in your lifetime. - read more
Top 10 Mistakes First-Time Home Buyers in Australia Should Avoid
Top 10 Mistakes First-Time Home Buyers in Australia Should Avoid
Embarking on the journey to buy your first home is both an exciting and significant milestone in Australia. However, the process is also complex, and the learning curve can be steep for first-time home buyers. Being thoroughly informed is key to navigating the housing market's intricacies and can help elude the common missteps that befall many novices. - read more
Unlocking the Hidden Value of Your Mortgage Offset Account
Unlocking the Hidden Value of Your Mortgage Offset Account
A mortgage offset account is a financial product that allows homeowners to use their savings to reduce the interest charged on their mortgage. It is a transaction account linked to your mortgage, and the balance in this account is offset against your outstanding mortgage balance when calculating interest charges. - 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
First-Home Finders: How to Choose a Mortgage Broker Who Works for You
First-Home Finders: How to Choose a Mortgage Broker Who Works for You
Embarking on the journey to homeownership can feel like navigating uncharted waters, with mortgage brokers often serving as the compass guiding you through the complexities of home financing. For many first-time home buyers, understanding the role of a mortgage broker can provide peace of mind and valuable support throughout the home-buying process. - 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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"Mastering Home Loans: Navigating the Australian Mortgage Market"

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Knowledgebase
Escrow:
An arrangement in which a third party temporarily holds money or property until a particular condition has been met.