Know your numbers before you move

Mortgage Repayments

Weekly, fortnightly or monthly repayments on any loan amount, rate and term, including interest-only periods. See the total interest and what a rate rise would cost you.

Loan Amortisation

The whole loan, repayment by repayment: interest, principal and the balance left, with a chart — and what extra repayments, a yearly lump sum or a one-off payment would save.

Funding Worksheet

The funding worksheet a broker fills in, for you: what a purchase or refinance needs, what you have to meet it, the loan that closes the gap and its loan-to-value ratio.

Borrowing Power

Estimate how much a lender could offer you, from your income, expenses and existing debts — tested at the rate plus APRA's 3% buffer, the way banks assess it.

Income Annualisation

Turn a payslip's year-to-date income into the annual figure a lender will use — by days, by pays received, over 48 weeks for casual work, and against last year's income.

Pay Off Your Home Faster

Model extra repayments, fortnightly payments, a lump sum and an offset account against your current loan. See the years cut off your mortgage and the interest saved.

Offset Account

See the interest an offset balance saves and the time it takes off your loan, with regular savings added — and what the same money would have to earn in a savings account.

Refinance Savings

Compare your current rate with a new one over the years you actually have left. See the monthly saving, when the switching costs pay back, and the total saved.

Usable Equity

Find out how much of your equity a lender would actually let you use, and what price of investment property it could fund the deposit and costs on.

Rental Yield

Gross and net yield on any property, after vacancy, the agent's fee and running costs — the first test of whether an investment pays its way.

Property Cash Flow

What an investment property costs or pays you each week, before and after tax, from the price, the loan, the rent and the running costs.

Negative Gearing

The tax a rental loss saves you under the 2026 rules — and what changes from 1 July 2027 if the property is established and bought since Budget night.

Property Growth

What a property could be worth in five, ten or twenty years at a steady growth rate, and the equity you would hold as the loan comes down.

Stamp Duty

Stamp duty and registration fees in any state or territory at current rates, with first home concessions, grants and foreign buyer surcharges — and the same purchase everywhere else.

Land Tax

A year's land tax on your investment land in any state or territory at current rates — with each state's threshold, and the same land everywhere else.

Pay Calculator

Take-home pay from a salary, hourly or daily rate — tax, Medicare, HELP and super for 2026–27, with salary sacrifice, the Medicare levy surcharge and non-resident rates.

Income Tax

Your 2026–27 tax, Medicare levy and take-home pay at the ATO's current rates — per week, fortnight, month or year — and what this year's tax cut is worth.

Capital Gains Tax

The capital gains tax on selling a property: cost base, the 50% discount and the tax at your own rates — plus what the 2027 changes mean for a sale later.