Understanding your finances before you speak to a lender puts you in a much stronger position. Our calculators give you fast, clear estimates across the numbers that matter most when buying or refinancing a property. Use them as a starting point — then call us to turn those numbers into a real strategy tailored to your situation.
See what your monthly, fortnightly, or weekly repayments would look like based on your loan amount, interest rate, and loan term. Helpful for budgeting before you start house-hunting, or for stress-testing a rate increase on your existing loan.
Get an estimate of how much you may be able to borrow based on your income, expenses, and existing debts. Remember: lenders each assess borrowing capacity differently, and this calculator provides a general guide only. A conversation with us will give you a much more accurate and lender-specific picture.
Stamp duty in NSW varies based on the property value, whether you're a first home buyer, and whether the property is your primary residence or an investment. Use this calculator to estimate your stamp duty liability so you can budget correctly for your purchase. First home buyers in NSW may be eligible for a full exemption or concession on stamp duty — we'll make sure you claim everything you're entitled to.
An offset account reduces the balance on which your home loan interest is calculated. This calculator shows how much interest you could save over the life of your loan by keeping a regular balance in an offset account — the results often surprise people. Even a modest offset balance can save tens of thousands of dollars and shave years off a mortgage.
Many borrowers choose to split their loan — fixing part of it for rate certainty while keeping the rest variable for flexibility. This calculator helps you model different split ratios so you can see how different combinations affect your overall repayments and flexibility.
These calculators are designed to give you a useful starting point — not a quote. The results are indicative only and do not take into account your full financial situation, lender-specific assessment criteria, or any fees and charges. Interest rates used in your calculations should reflect current market conditions; call us on 0478 501 086 and we’ll give you an up-to-date picture of what’s available.
Ready to take the next step? Book a free consultation with Gurjot and we’ll turn your calculator results into a concrete plan.