34 free home loan calculators
Every calculator uses current Victorian duty and land tax scales, the 2026–27 tax rates and the APRA 3% buffer. No email required, results are shareable.
Buying & borrowing
Borrowing power calculator
Estimate how much you can borrow for a home loan from your income, expenses and debts, assessed the way Melbourne lenders do, with the 3% AP…
Open calculatorDeposit savings calculator
Work out how long it will take to save a house deposit in Melbourne, what a 5%, 10% or 20% deposit looks like in dollars, and how to get the…
Open calculatorFirst Home Guarantee eligibility calculator (5% deposit, no LMI)
Check if you qualify for the First Home Guarantee in 2026: 5% deposit, no LMI, no income caps, $950,000 Melbourne price cap. See what you co…
Open calculatorFirst Home Super Saver calculator
Work out how much deposit you can release under the FHSS scheme, the tax you pay on release, and how much better off you are than saving in …
Open calculatorLMI calculator
Estimate your lenders mortgage insurance premium on a low-deposit home loan, see how LVR drives the cost, and how Melbourne first home buyer…
Open calculatorLVR calculator (loan to value ratio)
Calculate your loan to value ratio, see whether LMI applies and the deposit you need to reach 80% LVR. Free LVR calculator and guide from GN…
Open calculatorMortgage repayment calculator
Work out monthly, fortnightly or weekly home loan repayments for any loan size, rate and term. Melbourne worked examples, formula explained,…
Open calculatorRent vs buy calculator
Compare renting with buying in Melbourne over 5 to 10 years. See total costs, equity built and where the break-even sits using real Craigieb…
Open calculatorStamp duty calculator Victoria
Calculate 2026 Victorian stamp duty (land transfer duty) on any price, with the first home buyer exemption, owner-occupier concession and fo…
Open calculatorUpfront costs calculator for buying a home in Victoria
Work out the upfront cost of buying a house in Victoria: deposit, stamp duty, conveyancing, inspections, lender fees and LMI, plus a Melbour…
Open calculatorManaging your loan
Debt consolidation calculator
See how much you could save by rolling credit cards, car and personal loans into one loan or your mortgage, and how the term changes the tot…
Open calculatorExtra repayments calculator
See how much interest you save and how many years you cut from your home loan by paying extra each month or a lump sum. Real Melbourne figur…
Open calculatorInterest only vs principal and interest calculator
Compare interest-only and principal-and-interest repayments on a Melbourne home loan, and see what a 5-year interest-only period really cost…
Open calculatorHome loan comparison calculator
Compare two home loans side by side on rate, fees, repayments and total cost over any term. See why a lower rate with fees can cost more tha…
Open calculatorLump sum repayment calculator
See what a one-off lump sum does to your home loan: the interest saved, the years cut off the term, and the one condition that decides if yo…
Open calculatorOffset account calculator
See how much interest an offset account saves on your Melbourne home loan and how many years it cuts from a 30-year term. Free calculator fr…
Open calculatorRefinance calculator
See how much you could save by refinancing to a lower rate, how fast switching costs are recovered, and when refinancing is not worth it. Me…
Open calculatorWeekly, fortnightly and monthly repayment calculator
Switching to fortnightly repayments saves almost nothing on its own. Paying half your monthly amount every fortnight can save $148,872. See …
Open calculatorSplit loan calculator
Model a fixed and variable split on your Melbourne home loan. See repayments, what happens if variable rates rise or fall, and which split r…
Open calculatorInvesting & tax
Capital gains tax calculator for property
Estimate CGT on selling an investment property using 2026–27 tax rates, the 50% discount and your cost base. Free calculator and guide by GN…
Open calculatorHome equity calculator
Work out how much usable equity you have in your Melbourne home and what it could fund: an investment property deposit, a renovation or debt…
Open calculatorIncome tax and take-home pay calculator
Work out your 2026-27 income tax, Medicare levy, HECS-HELP repayment and monthly take-home pay, and see the net income a lender actually use…
Open calculatorInvestment property cashflow calculator
Estimate the weekly cashflow of a Melbourne investment property: rent, interest, expenses, land tax and the tax effect of negative gearing a…
Open calculatorVictorian land tax calculator
Calculate Victorian land tax on investment property at the 2024–2033 rates, including the 4% absentee surcharge. Free tool and guide from GN…
Open calculatorScenario & planning tools
Bridging loan calculator
Work out your peak debt, capitalised interest and end debt when buying before you sell. Melbourne worked example, LVR limits and 6 to 12 mon…
Open calculatorConstruction loan interest calculator
Estimate build interest with the Victorian 5/10/15/35/25/10 progress-payment schedule: interest-only on drawn funds, rent while building and…
Open calculatorDeposit strategy calculator: 5% vs 10% vs 20%
Compare buying with a 5%, 10% or 20% deposit: months of saving, LMI cost, the First Home Guarantee, and what waiting costs if Melbourne pric…
Open calculatorRate rise stress test calculator
Test what a 0.25%, 1%, 2% or 3% rate rise does to your home loan repayments on $400k to $1m loans, how the APRA 3% buffer works, and how to …
Open calculatorReverse mortgage projection calculator
Project what a reverse mortgage debt grows to over 5, 10, 15 and 20 years, how much equity is left for you or your estate, and the cheaper g…
Open calculatorSelling costs and net proceeds calculator
Estimate what you walk away with after selling a home: agent commission, marketing, conveyancing, loan discharge and break costs, with a CGT…
Open calculatorFirst home buyer costs by state
Compare first home buyer stamp duty exemptions, grants and First Home Guarantee price caps in every Australian state, and see when buying in…
Open calculatorCars & personal
Chattel mortgage and balloon payment calculator
Work out the monthly repayment, balloon owing at the end, total interest and GST on equipment or vehicle finance, and what a balloon really …
Open calculatorCar loan repayment calculator
Work out weekly, fortnightly or monthly car loan repayments, total interest and the effect of a balloon payment. Free calculator from GNT Fi…
Open calculatorPersonal loan repayment calculator
Estimate personal loan repayments, total interest and how the term changes the cost. Compare secured and unsecured options with GNT Finance,…
Open calculatorReady to talk about your loan?
A 15-minute call is enough to tell you what you can borrow, which lenders fit and what to do next. No cost, no obligation.