Calculators & tools

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Work out your numbers first

These tools run on figures you enter, so you can sanity-check a budget before you talk to anyone. They are estimates, not offers — we are an introduction service and don't quote rates or assess borrowing capacity. When you're ready, a licensed broker will show you the rates you actually qualify for, with the comparison rate the law requires.

💡 Borrowing power estimator

The #1 question — roughly how much could you borrow? Indicative only.

Annual income before tax ($)

Partner's income ($, optional)

Dependants

Monthly living expenses ($)

Other monthly debt repayments ($)

Assessment rate % (incl. buffer)

Estimate only, using a simplified serviceability model (APRA-style 3% buffer, 30-year term). Real lender assessment varies significantly by policy, income type and circumstances. A licensed broker gives you the real figure across a panel of lenders.

Get my real borrowing power from a broker

Loan repayments

Loan ($)Rate %Years

Refinance savings

Balance ($)Your rate %Compare %Years left

Stamp duty — every state & territory

StatePrice ($)

Want these checked against your real situation?

A licensed broker reviews your actual loan and circumstances — free.

Get my numbers reviewed

General information only — not credit advice and not specific to your circumstances. Credit assistance is provided by a licensed mortgage broker. Better Way Loan may receive a referral fee if you proceed.