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

Avoiding Common Pitfalls: How to Streamline Your Home Loan Pre-approval
Avoiding Common Pitfalls: How to Streamline Your Home Loan Pre-approval
Stepping into the realm of homeownership begins with a critical financial milestone: securing home loan pre-approval. This inaugural step paves the way for homebuyers to gain a clear understanding of their borrowing capacity, directly influencing their purchasing decisions. In Australia, where the real estate market teems with competitive energy, effective navigation through the pre-approval process offers a competitive edge. - read more
Maximizing Your Budget: Smart Saving Strategies for Aspiring Homeowners
Maximizing Your Budget: Smart Saving Strategies for Aspiring Homeowners
Embarking on the journey to homeownership is a quintessential part of the American dream, one that conjures images of stability, accomplishment, and personal sanctuary. Yet, this dream comes with significant financial implications that can often feel daunting to aspiring homeowners. Navigating the landscape of real estate and mortgages requires an understanding of the economic commitment it entails. - read more
Planning for a Better Future: Exploring Refinancing Options for Aussie Homeowners
Planning for a Better Future: Exploring Refinancing Options for Aussie Homeowners
As a homeowner in Australia, it is essential to stay informed about the current mortgage interest rate and inflation situation. This knowledge is crucial for effective financial planning and making informed decisions regarding your home loan. Understanding the impact of rising interest rates on Australian homeowners is particularly important. - read more
Simple Steps to Boost Your Home Deposit Savings
Simple Steps to Boost Your Home Deposit Savings
Welcome to our guide on simple steps to boost your home deposit savings! We’re thrilled to have you here as you embark on the exciting journey towards home ownership. Whether you're a first-time homebuyer or looking to upsize, saving for a home deposit is a crucial step. - 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

Finance News

Australian Home Loans Experience Significant Growth in January 2026
Australian Home Loans Experience Significant Growth in January 2026
20 Feb 2026: Paige Estritori
In January 2026, Australia's housing market witnessed a remarkable 10.6% increase in home loan approvals compared to the previous month, significantly surpassing December's 4.7% growth. This surge indicates a robust demand for housing credit, reflecting the market's resilience despite existing challenges. - read more
Anticipated 4.8% Rise in Australian Property Prices for 2026
Anticipated 4.8% Rise in Australian Property Prices for 2026
20 Feb 2026: Paige Estritori
As we progress through 2026, the Australian property market is poised for continued growth, with forecasts predicting a 4.8% increase in property prices across capital cities. This projection follows an 8.6% rise in 2025, indicating sustained momentum in the housing sector. - read more
Implications of RBA's Interest Rate Hike on Property Prices in 2026
Implications of RBA's Interest Rate Hike on Property Prices in 2026
20 Feb 2026: Paige Estritori
The Reserve Bank of Australia (RBA) is expected to implement an interest rate hike in early 2026, a move that could significantly influence the trajectory of property price growth. This decision comes in response to rising inflation and aims to stabilize the economy. - read more
First Home Buyer Loan Applications Surge Following Government's 5% Deposit Scheme Expansion
First Home Buyer Loan Applications Surge Following Government's 5% Deposit Scheme Expansion
12 Feb 2026: Paige Estritori
October 2025 marked a significant milestone for first-time homebuyers in Australia, with loan applications surging by 39.2%. This remarkable increase is largely attributed to the federal government's expansion of the 5% Deposit Scheme, which has made homeownership more accessible to a broader segment of the population. - read more
Investor Home Loans Surge Amid Record Borrowing in Australian Property Market
Investor Home Loans Surge Amid Record Borrowing in Australian Property Market
12 Feb 2026: Paige Estritori
In the third quarter of 2025, Australia's property market witnessed a significant shift as investors accounted for two out of every five home loans. Data from the Australian Bureau of Statistics (ABS) revealed that over 57,000 investors borrowed nearly $40 billion during this period, marking a 17.6% increase from the previous quarter. This surge underscores a growing trend of investor dominance in the housing sector. - read more

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Knowledgebase
Debt-to-Income Ratio (DTI):
A personal finance measure that compares an individual's monthly debt payment to their monthly gross income.