Repayments, buying costs, stamp duty, loan comparisons and what your budget could set aside: run your own numbers here, at your own pace, before you talk to anyone.
Treat the results as a first sketch rather than a final answer. When you are ready, bring them to Spencer and he will work the figures through properly for your situation.
What a loan costs per week, fortnight or month - and the total interest over its life.
Calculator assumptions
Important information
These calculations are estimates only and are based on the information you enter and the assumptions shown. They are not a quote, offer of credit or credit advice. Actual figures and eligibility will depend on lender policy and a formal assessment of your circumstances.
Beyond the online estimate
A borrowing capacity tab without a calculator? That's not a mistake. Online calculators can produce a number in seconds, but that number can be misleading because lenders don't all assess your circumstances in the same way.
Your borrowing capacity can differ by hundreds of thousands of dollars between lenders. Each applies different policies to income, expenses, debts and commitments, so the same information can produce a very different result.
The broker difference
Spencer matches your circumstances - including overtime, bonuses, allowances and self-employed income - with relevant lender policies. That is what being pre-qualified means: a clearer borrowing range before you make major decisions.
What can change the answer?
Pre-qualification provides indicative guidance only. It is not a pre-approval, an offer of credit or a promise to lend. Any application remains subject to verification, lender policy and formal assessment.
See how paying more can cut your loan term and reduce your total interest paid.
Calculator assumptions
Important information
These calculations are estimates only and are based on the information you enter and the assumptions shown. They are not a quote, offer of credit or credit advice. Actual figures and eligibility will depend on lender policy and a formal assessment of your circumstances.
Transfer duty by state and territory, including first-home-buyer concessions where they apply.
No first-home concession applies to these inputs.
An estimate isn't available for this property value. Get in touch and we'll work it out with you.
Calculator assumptions
Important information
These calculations are estimates only and are based on the information you enter and the assumptions shown. They are not a quote, offer of credit or credit advice. Actual figures and eligibility will depend on lender policy and a formal assessment of your circumstances. Please ask your conveyancer or solicitor to confirm the final duty, government registration fees and legal costs for your transaction.
Rates verified as at 23 August 2026. Rates and fee schedules can change.
Compare the repayments and total cost of two loans side by side, including upfront and monthly fees.
Calculator assumptions
Important information
These calculations are estimates only and are based on the information you enter and the assumptions shown. They are not a quote, offer of credit or credit advice. Actual figures and eligibility will depend on lender policy and a formal assessment of your circumstances.
See the total cost of buying a property and how much you may need to contribute after finance.
Calculator assumptions
All amounts are entered manually. Buying costs are treated as one-off expenses and added to the property purchase price. The requested loan is deducted from that total to estimate the funds required to complete the purchase. If the requested loan exceeds the combined purchase price and costs, the funds required figure is shown as $0. Ongoing loan repayments, grants, rebates and other funding sources are not included. Government and lender charges should be confirmed before purchase.
Important information
These calculations are estimates only and are based on the information you enter and the assumptions shown. They are not a quote, offer of credit or credit advice. Actual figures and eligibility will depend on lender policy and a formal assessment of your circumstances. Please ask your lender, broker, conveyancer or solicitor and the relevant government authority to confirm the final costs for your transaction.
See what may be left after expenses and repayments to build a home deposit or pay down your loans sooner.
Use the amount received after tax, HECS/HELP and other payroll deductions.
Include regular household and personal spending.
Enter repayments, not the outstanding account balance.
Calculator assumptions
Amounts within each section are assumed to use the frequency selected for that section and are converted to a monthly equivalent. Net income means money actually received after tax, HECS/HELP and other payroll deductions. The result assumes all entered income is available to meet the entered living expenses and liability repayments. Irregular expenses, future changes and unentered commitments are not included.
Important information
This calculator provides a general estimate based only on the figures entered. It is not financial advice or an assessment of borrowing capacity. Lenders may assess income, expenses and liabilities differently and may apply minimum expense benchmarks. The amount actually remaining will depend on your circumstances and spending.
Bring them to a free, no-pressure chat and find out what is actually possible for you. And if the maths is not adding up yet, it can still be worth a conversation - Spencer helps people put a plan in place, become lender-ready and move towards their goals.
Book a chat