Honest estimates for real decisions - no sign-up walls, no strings. Every tool states its assumptions, and when the numbers say "don't bother", it says that too.
Instant tools run right here on the site. The Excel tools are branded spreadsheets emailed to you - yours to keep and model with.
Is your loan still pulling its weight? Compare your rate against the RBA-published average in 60 seconds - including the honest verdict "you're already on a good deal".
Check my loan → Instant · On This SiteA realistic read on what lenders might let you borrow - from your income, expenses and commitments, with the assessment buffer applied.
Run the numbers → Instant · On This SiteWeekly, fortnightly or monthly repayments - principal-and-interest or interest-only, with the post interest-only jump shown up front.
Run the numbers → Instant · On This SiteYour Victorian stamp duty in seconds - including any first home, owner-occupier or pensioner concession you may qualify for.
Run the numbers → Instant · On This SiteMonthly savings, total interest difference, and the break-even point on switching costs - in 30 seconds.
Run the numbers → Instant · On This SiteWhat an extra $50 a week could really do - the interest you'd save, the years you'd cut, and the honest cases where it barely moves the needle.
Run the numbers → Instant · On This SiteBoth sides of consolidating your debts - the lower monthly payment and the total cost over the full term, shown with equal weight.
Run the numbers → Instant · On This SiteSix quick questions to see which Victorian and federal schemes you may qualify for - the grant, stamp duty relief, the 5% deposit scheme and Help to Buy.
Check eligibility → Instant · On This SiteEstimate lenders mortgage insurance on a low-deposit loan - your LVR, an indicative premium range, and how much more deposit would avoid LMI entirely.
Run the numbers → Excel · Emailed To YouA branded spreadsheet you keep: repayments, total interest, and what extra repayments save - P&I or interest-only.
Get the spreadsheet → Excel · Emailed To YouWhat money sitting in an offset account really does to your interest bill and loan term - yours to model and keep.
Get the spreadsheet →All calculators provide estimates only, based on the figures and assumptions entered. They are not offers of credit, quotes, or financial advice, and don't account for your full circumstances. Michael Gross is a Credit Representative (546597) of LMG Broker Services Pty Ltd (ACN 632 405 504, Australian Credit Licence 517192).
When you want the real numbers for your situation - checked against 35+ lenders, obligation-free, and at no cost to you - that's a 15-minute conversation.
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