Run the numbers yourself
Useful for a ballpark. Every lender assesses income, expenses and buffers differently, so treat these as a starting point rather than an answer.
Loan repayments
What a principal-and-interest loan costs each month.
Total interest over the full term: —
Borrowing power
A rough ceiling based on income, dependants and existing commitments.
Assessed at a 3% serviceability buffer above a 6.10% rate, as most lenders require. Real assessments vary by more than $150,000 between lenders.
Deposit & upfront costs
What actually needs to be in your account on settlement day.
Deposit — · est. stamp duty — · est. LMI — · legals & inspections ~$3,000. Stamp duty is estimated on a general NSW-style scale and varies by state, property type and concession eligibility.
Extra repayments
What paying a little more each month does to a 30-year loan.
Loan paid off — earlier than the full 30-year term.
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