Your mortgage,
every angle.
Repayments, offset savings, extra payments, refinancing, borrowing power and break-cost — all calculated on current Australian rates.
The average new home loan is now $735,000.
At a 4.35% cash rate, with more than 95% of borrowers on a variable rate, an RBA move reaches your repayment within weeks — not years. On a loan this size that is real money, so it is worth modelling your own repayment, what an offset account or a few hundred dollars in extra repayments claws back, and how the 3% buffer shapes what you can borrow before you commit.
Who is borrowing right now
Owner-occupiers still take the larger share of new lending, but investors are the faster-growing half — up 25% on a year earlier against 14% for owner-occupiers.
All Mortgage calculators
10 calculatorsMortgage Repayment Calculator
Calculate monthly, fortnightly or weekly home loan repayments.
Mortgage Offset Savings Calculator
See how much your offset account balance saves in interest and time.
Extra Repayments Calculator
Calculate interest saved and time cut by making extra repayments.
Refinancing Calculator
Is it worth switching lenders? Compare your current rate against a new one.
Fixed vs Variable Calculator
Find the break-even point between fixed and variable rate loans.
Split Loan Calculator
Calculate the weighted average rate on a fixed/variable split loan.
Interest-Only vs P&I Calculator
Compare the total cost of interest-only vs principal & interest repayments.
How Much Can I Borrow
Estimate your borrowing power based on income, expenses and the APRA buffer.
Fixed Rate Break Cost Calculator
Estimate the break cost before exiting a fixed rate loan early.
Lump Sum vs Extra Repayments Calculator
Compare a one-off lump sum payment against regular extra repayments.
Australian Mortgage Calculators — 2026–27
A home loan is likely the largest financial commitment most Australians will ever make. Understanding exactly what you are paying — and how small changes can save tens of thousands of dollars — is essential. AusCalcs's mortgage calculators are built specifically for Australian home loans with 2026–27 figures.
Repayments and Cash Flow
The Mortgage Repayment Calculator is the starting point for any home loan analysis. Enter your loan amount, interest rate, and term to see monthly, fortnightly, or weekly repayments. Switching from monthly to fortnightly repayments alone can save years off a 30-year loan simply because you make 26 half-payments — equivalent to 13 full months — each year.
Reducing Your Interest Bill
Two of the most powerful tools for cutting interest are offset accounts and extra repayments. The Offset Savings Calculator shows how keeping your savings in an offset account rather than a separate savings account can slash years off your loan. The Extra Repayments Calculator shows the impact of paying even a few hundred dollars extra each month.
Refinancing and Rate Strategy
With Australian lenders competing aggressively for borrowers, refinancing can deliver significant savings — but there are exit costs and application costs to factor in. The Refinancing Calculator calculates your break-even period so you know if a switch makes financial sense. The Fixed vs Variable Calculator helps you model which rate type suits your situation, while the Fixed Rate Break Cost Calculator estimates the penalty for exiting a fixed loan early.
Borrowing Power
The How Much Can I Borrow calculator applies the APRA 3% serviceability buffer to your income and expenses to give a realistic estimate of what Australian lenders will approve. All figures assume 2026–27 tax rates and the current RBA cash rate environment.