Calculators & tools

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Current market snapshot as at 9 July 2026

5.44%Market-leading variable

5.99%Big-4 average variable

6.15%Market average variable

Indicative advertised rates (sources: lender & comparison sites) — not offers, quotes or specific products. A licensed broker can show you the live rates you actually qualify for.

💡 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.

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Loan repayments

Loan ($)Rate %Years

Refinance savings

Balance ($)Your rate %Compare %Years left

Stamp duty — every state & territory

StatePrice ($)

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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.