Free Home Loan & Property Calculators
Estimate stamp duty, borrowing power, repayments, LMI, refinancing and more — instantly, with no sign-up needed.
VIC Stamp Duty Calculator
Estimate your Victorian land transfer duty for FY2026–27.
Estimates based on SRO Victoria FY2026–27 rate tables. Excludes off-the-plan concessions, foreign purchaser surcharge, and vacant land rules. Confirm your exact figure at sro.vic.gov.au or with a mortgage broker before relying on this estimate.
Loan Repayment Calculator
Estimate your monthly home loan repayments.
Estimates only, based on a standard principal & interest loan with a fixed rate for the full term. Does not include fees, LMI, offset accounts, or rate changes. Actual repayments depend on your lender and loan structure — speak with a mortgage broker for an accurate quote.
Borrowing Power Calculator
Get an indicative estimate of how much you could borrow.
This is a simplified indicative estimate using a serviceability buffer (your rate + 3%), a common industry practice. It does not use your lender's exact HEM benchmark, full credit history, or policy. Actual borrowing power varies by lender — book a free assessment with a broker for an accurate figure.
LMI Calculator
Estimate your Lenders Mortgage Insurance premium.
Indicative only, based on typical LVR-banded premium ranges. Actual LMI is set by the insurer (Helia or QBE) and varies by lender, loan size and policy. No LMI applies at 80% LVR or below. Confirm your exact premium with a mortgage broker.
Extra Repayments Calculator
See how extra repayments cut your loan term and interest.
Estimates only, assumes a consistent extra repayment and fixed rate for the full term. Excludes fees and rate changes. Check your loan allows extra repayments without penalty before relying on this.
Loan Comparison Calculator
Compare two loan options side by side.
Compares interest cost only, based on standard principal & interest repayments. Does not include fees, offset accounts, or features — always weigh the full loan package, not rate alone.
Investment Cash Flow Calculator
See if your investment property is positively or negatively geared.
Estimates only. "Other expenses" should include property management, rates, insurance and maintenance. Excludes depreciation and tax effects — see our Negative Gearing calculator for the tax impact.
Interest-Only vs P&I Calculator
Compare repayments now — and the step-up after IO ends.
Estimates only, based on a fixed rate for the full term. After the IO period, P&I repayments are recalculated over the remaining term — actual figures depend on your lender and any rate changes.
Rent vs Buy Calculator
Compare the long-term cost of renting vs buying.
Assumes 4% p.a. property growth and excludes stamp duty, maintenance, rates, and selling costs — a simplified comparison, not financial advice. Speak with a broker before deciding.
Negative Gearing Calculator
Enter your property details to see your real cost, tax savings & weekly out-of-pocket.
Want expert guidance on your negative gearing strategy?
Talk to Be Smart Finance →Capital Gains Tax Calculator
Estimate how much CGT you'll pay when you sell your investment property in Australia.
Want to minimise your CGT? Talk to a Be Smart Finance expert today.
Book a Free Consultation →