Resources
Calculators, lender research and plain-English guides. Read up first, then compare when you're ready.
Calculators
Run the numbers before you talk to anyone.
- Mortgage repayment calculatorMonthly, fortnightly or weekly repayments, plus total interest over the life of the loan.
- Serviceability stress testCheck whether you could still service the loan at your rate plus the 3% APRA buffer.
- Stamp duty calculatorTransfer duty in every state and territory, with first home buyer concessions and foreign purchaser surcharges.
- NSW stamp duty calculatorTransfer duty in New South Wales, with its concessions, exemptions and worked examples.
- VIC stamp duty calculatorTransfer duty in Victoria, with its concessions, exemptions and worked examples.
- QLD stamp duty calculatorTransfer duty in Queensland, with its concessions, exemptions and worked examples.
- WA stamp duty calculatorTransfer duty in Western Australia, with its concessions, exemptions and worked examples.
- SA stamp duty calculatorTransfer duty in South Australia, with its concessions, exemptions and worked examples.
- TAS stamp duty calculatorTransfer duty in Tasmania, with its concessions, exemptions and worked examples.
- ACT stamp duty calculatorTransfer duty in the ACT, with its concessions, exemptions and worked examples.
- NT stamp duty calculatorTransfer duty in the Northern Territory, with its concessions, exemptions and worked examples.
- Deposit and upfront costs calculatorThe deposit at 5%, 10% and 20%, stamp duty, titles fees and an LMI range: the cash you need on day one.
- Borrowing power calculatorAn indicative range of how much you could borrow, worked out from your income, expenses and debts.
- LMI and LVR calculatorYour loan-to-value ratio, the deposit needed for 80% to 95% LVR, and when lenders mortgage insurance applies.
- Refinance calculatorHow long a switch takes to pay for itself once the costs of changing are counted.
- Construction loan calculatorInterest at each build stage and the repayment once construction finishes.
Lender research
Who's who among Australian lenders.
- Refinancing your home loanWhen refinancing pays, the costs to expect, and the documents a new lender asks for.
- Lender reviewsProfiles, rates, pros and cons for the major banks and the non-bank lenders.
- First home buyer schemes and grantsThe 5% Deposit Scheme, first home owner grants, stamp duty concessions and the First Home Super Saver Scheme.
Guides by life stage
The money questions that come with each chapter.
