Smarter home loan decisions, start with the numbers.
Use our free Australian mortgage calculators to plan your purchase or refinance — then book a free 15-minute chat with a XLOANS broker to make it happen.
Instant repayment estimate
30-yr P&IEstimate only — actual rates and repayments vary by lender and your situation.
Most popular
The pages first home buyers and movers reach for most.
5% Deposit Scheme
Buy with a 5% deposit and no LMI — now with no income caps. See the price cap for your state.
Open 5% Deposit Scheme CalculatorProperty Purchase Calculator
Add up your real upfront costs — deposit, stamp duty, LMI and fees — before you buy.
Open Property Purchase Calculator CalculatorRent vs Buy Calculator
Compare the long-term cost of renting versus buying to see what's smarter for you.
Open Rent vs Buy Calculator NewOffset vs Savings Calculator
See the savings rate you'd need to beat an offset after tax — usually around 8.89% on a 6% loan.
Open Offset vs Savings CalculatorWhy choose XLOANS?
Powerful free tools
Eight calculators covering every stage — buying, refinancing and paying off your loan sooner.
15 minutes, no pressure
A quick, friendly chat with a real broker. No obligation, and no cost to you.
Whole-of-market
We compare a wide panel of lenders to find a loan that genuinely fits your goals.
Free mortgage calculators
Built for Australian borrowers. Estimate, compare and plan in seconds.
Repayment Calculator
Estimate your principal & interest repayments and total interest over the life of your loan.
Open calculatorBorrowing Power
See how much you could borrow based on your income, expenses and existing commitments.
Open calculatorRefinance Calculator
Compare your current loan to a new rate and see how much you could save by refinancing.
Open calculatorStamp Duty
Calculate transfer (stamp) duty for every Australian state and territory.
Open calculatorLMI Calculator
Estimate Lenders Mortgage Insurance based on your deposit and property value.
Open calculatorOffset Calculator
Discover how an offset account can reduce your interest and shave years off your loan.
Open calculatorRent vs Buy
Weigh up the long-term cost of renting against buying your own home.
Open calculatorPurchase Costs
Add up your full upfront cost of buying — deposit, stamp duty, LMI and fees.
Open calculatorIncome Annualisation
Annualise your year-to-date (YTD) gross pay into a full-year income figure the way mortgage lenders do.
Open calculatorOffset vs Savings
Find the savings rate you'd need to beat an offset account once tax is taken out — usually far higher than you'd expect.
Open calculatorLVR Calculator
Work out your loan-to-value ratio, deposit percentage and whether Lenders Mortgage Insurance applies.
Open calculatorExtra Repayments
See how much interest you save and how many years you cut off your loan by paying a little extra.
Open calculatorEquity Calculator
Find out how much equity you've built and how much a lender will actually let you access.
Open calculatorInvestment Cash Flow
Calculate weekly cash flow on an investment property before and after tax, including negative gearing.
Open calculatorTalk to a broker, no strings attached.
Book a quick, no-pressure call. We'll review your goals and show you exactly what's possible — whether you're buying, refinancing or just exploring.
- 1
Share a few details
Just your name and email — no long forms, no commitment.
- 2
We pick a time that suits
A broker reaches out to lock in a quick 15-minute chat.
- 3
Get clear next steps
Honest, tailored advice on your home loan — at no cost to you.
Numbers looking good?
Talk to a XLOANS broker for free. We'll review your situation and find a loan that fits — in just 15 minutes.