Rate moves, lender policy, refinancing and investment strategy — researched carefully and written in plain English, with free calculators to model the numbers yourself.
Enter loan amount, annual rate, term and repayment frequency to get monthly / fortnightly / weekly repayments, total interest and the interest-to-principal ratio.
Rough estimate of maximum borrowing under the APRA 3% buffer, based on household income, expenses, credit-card limits and other loan commitments.
Calculates base duty, concessions, surcharges and FHOG by state/territory, price, property use, first-home-buyer status and foreign-buyer status.
Compares current and new loan rates to estimate monthly savings, break-even months and net saving over the remaining term, after refi costs and lender cashback.
Calculate IO-period repayments, the step-up when IO ends, and the total cost difference between IO and straight P&I paths.
Models how an offset balance reduces interest and shortens the loan term.
Computes tax under 2025-26 post-Stage 3 resident / non-resident / WHM brackets; includes Medicare Levy, MLS and HELP repayments.
A 7-year side-by-side comparison between owner-occupier (deposit + repayments + holding costs + capital growth) and renting (rent + 4% p.a. reinvestment of the surplus).
Victoria land transfer duty 2026-27 rates unchanged for the new financial year. Full first home buyer exemption up to $600,000 with sliding concession to $750,000. Foreign purchaser additional duty at 8%. Worked examples including Melbourne price points.
HECS-HELP repayments in 2026-27 use a marginal rate system: 0% below $69,528, 15% on income above that to $129,717, then 17% to $186,050, then 10% of total income. See how much you repay at every income level and how lenders treat HELP debt in mortgage applications.
APRA's July 2026 review left the 3% serviceability buffer unchanged. Combined with the 6× debt-to-income cap (20% of new lending above 6×) and a 4.35% cash rate, here is exactly what these rules mean for your borrowing power, refinancing options, and loan application strategy.
Northern Territory transfer duty 2026-27: unique quadratic formula for purchases up to $525,000, tiered rates above. HomeGrown Territory Grant of $50,000 replaces the old $10,000 FHOG. Zero foreign purchaser surcharge makes Darwin Australia's lowest-cost entry point for foreign buyers.
APRA's 3% serviceability buffer and 6× DTI cap are the two binding constraints on Australian mortgage borrowing in 2026. A single on $100K can borrow ~$520K; a couple on $200K can borrow ~$1.1M. See how HECS, credit cards, and existing debt reduce your limit.
Best low doc and self-employed home loans Australia 2026. Compare alt-doc, ABN lending, and bank statement loan options. Guide for self-employed borrowers with non-standard income documentation.
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