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.
Monthly savings, total interest difference, and the break-even point on switching costs - in 30 seconds.
Run the numbers → 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 SiteQuick calculators on the homepage: what a loan costs monthly, and Victorian stamp duty including concessions.
Open the calculators → 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 40+ lenders, obligation-free, and at no cost to you - that's a 15-minute conversation.
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