Home Loan Calculators
Play with the numbers to get a feel for repayments, offset savings, comparison rates and borrowing power. These are estimates to help your thinking — Russ will run the exact figures for your situation for free.
Loan details
Estimated repayment
$2,998
per month
Total interest paid
$579,280
Total repaid
$1,079,280
Estimate only, based on principal & interest repayments at a fixed rate for the full term. Actual repayments depend on the lender, product and your circumstances.
Loan balance over time
Loan & offset details
Interest you could save
$0
over the life of the loan
Loan paid off
0 yrs 0 mo sooner
Repayment stays
$2,998 / mo
Assumes your offset balance grows by the extra monthly amount you set, on top of the starting balance, and your loan repayment is kept the same as the no-offset scenario — so the loan is paid off faster rather than the repayment dropping. Actual savings depend on how your balance actually changes over time.
Loan balance: with and without your offset
Rate & fee details
Estimated comparison rate
6.14%
vs advertised rate of 6.00%
This is an illustrative estimate only, not a lender's official comparison rate. Official comparison rates in Australia are calculated by lenders under ASIC's National Credit Code on a standard $150,000 / 25-year basis and can only be relied on as published by the lender. Use this tool to get a feel for how fees affect the true cost — Russ can pull the real comparison rates for products that suit you.
Your financial position
Estimated borrowing capacity
$430,000
assessed at 9.00% to build in a serviceability buffer
A rough guide only, using a simplified version of the buffer lenders apply to your actual rate. Real borrowing capacity also depends on dependants, credit history, other assets and each lender's own policy — this is where Russ compares 40+ lenders to find your real number.
Property & buyer details
Estimated total purchase costs
$0
on top of your purchase price
Stamp duty
$0
Legal & other costs
$0
Estimate only. Stamp duty rates and first home buyer concessions vary by state, change at state budget time, and can depend on details this tool doesn't capture (new vs. established home, income tests, foreign buyer status). Always confirm exact figures with your state's revenue office or with Russ before relying on them.
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