Home Loan Calculators
Rough numbers before the real ones. Each calculator works on figures you enter, runs in your browser, and stores nothing. When you want a figure a lender will actually stand behind, that is what we do.
Home Loan Repayment Calculator
Monthly, fortnightly or weekly repayments, total interest, and the effect of paying extra.
Open calculator →Borrowing Power Calculator
An indicative maximum from your income, expenses and commitments, assessed with a buffer.
Open calculator →Purchase Costs Calculator — NSW
Transfer duty with first home buyer concessions, fees and deposit — the cash you need on the day.
Open calculator →Offset Account Calculator
Interest and time saved by holding savings in an offset against the loan.
Open calculator →Why a calculator and a lender disagree
Every calculator, including these, works from what you type in. A lender works from your documents, applies its own treatment to each income type, tests your expenses against a benchmark, and adds a buffer to the rate. Two lenders can look at identical figures and land hundreds of thousands apart — so a single online number is a starting point for a conversation, not a result.
Use these to get oriented. Then talk to someone who can tell you which lender's arithmetic suits your situation.
- Repayments at any rate, term and frequency, with extra-repayment effects
- Borrowing power assessed with a buffer, the way applications are tested
- NSW transfer duty with first home buyer concessions applied
- Offset savings in interest and time on your own balance
A broker replies within 2 business hours · No obligation
General information and indicative estimates only. These calculators do not take your objectives, financial situation or needs into account. They are not credit assistance, credit advice or financial advice, and they are not an offer of credit or an approval.
Any interest rate, buffer, fee or percentage shown is an assumption you can change. It is not a rate or fee offered by Sabea or by any lender. Lenders assess income, expenses and liabilities using their own methods and policies, which differ between lenders and change over time, so an actual borrowing capacity, repayment or cost will differ from these figures.
Tax and transfer duty figures are estimates based on published schedules that are revised each year. Confirm current amounts with the Australian Taxation Office and Revenue NSW, or with your accountant and conveyancer, before relying on them.
Nothing you enter is stored or sent anywhere; the calculations run entirely in your browser. Sabea Financial, Credit Representative 539 662, ABN 86 653 823 253, is authorised under Australian Credit Licence 391237.