Free calculators
Home loan & property calculators.
Free Australian home loan and property calculators from Siare. Each one works right on its page: answer a few questions and see the result straight away, with nothing to download.
They run on the same calculators as the Siare client portal, and every page explains its method and assumptions. The results are estimates, not a credit assessment or financial advice.
Buying.
What it takes to get into a home: deposit, duty, insurance, and buying before you sell.
Stamp Duty Calculator (All States)
Transfer duty, government fees, conveyancing and inspections.
How Much Deposit Do I Need? Deposit Calculator
Deposit, LVR, LMI and total cash needed to buy.
LMI Calculator — Lenders Mortgage Insurance
Lender's mortgage insurance at different deposit levels.
Bridging Loan Calculator
Peak debt and interest while you buy before you sell.
Stamp duty by state
WA Stamp Duty Calculator (Transfer Duty)
Transfer duty in Western Australia, with the concessions that apply.
NSW Stamp Duty Calculator (Transfer Duty)
Transfer duty in New South Wales, with the concessions that apply.
VIC Stamp Duty Calculator (Land Transfer Duty)
Land transfer duty in Victoria, with the concessions that apply.
QLD Stamp Duty Calculator (Transfer Duty)
Transfer duty in Queensland, with the concessions that apply.
SA Stamp Duty Calculator
Stamp duty in South Australia, with the concessions that apply.
TAS Stamp Duty Calculator (Property Transfer Duty)
Property transfer duty in Tasmania, with the concessions that apply.
ACT Stamp Duty Calculator (Conveyance Duty)
Conveyance duty in the ACT, with the concessions that apply.
NT Stamp Duty Calculator
Stamp duty in the Northern Territory, with the concessions that apply.
Borrowing.
How much you could borrow, and which loan structure and rate suit you.
How Much Can I Borrow? Borrowing Power Calculator
Estimate your borrowing power from income, expenses and debts.
Self-Employed Borrowing Power Calculator
Borrowing power with lender add-backs for business owners.
Home Loan Comparison Calculator
Compare loans by rate, fees, repayments and total cost.
Fixed vs Variable (and Split) Home Loan Calculator
Compare fixed, variable and split-loan outcomes.
Investing.
What an investment property earns, what it costs, and the equity you could use.
Construction & development.
Costing a build from land settlement to handover.
More development tools on siare.com.au
Refinancing & repayments.
Paying less, paying off sooner, and what it costs to change.
Mortgage Repayment Calculator
Weekly, fortnightly or monthly home-loan repayments.
Refinance Savings Calculator
Savings from a lower rate or a different loan.
Extra Repayments Calculator — Pay Off Your Mortgage Faster
Interest and time saved by paying extra.
Offset Account Calculator
Interest and time saved by keeping cash in an offset.
Interest-Only vs Principal & Interest Calculator
Interest-only against principal & interest, and the jump after.
Fixed Rate Break Cost Calculator
Indicative cost of leaving a fixed rate early.
Debt Consolidation Calculator
Monthly saving against extra interest over the longer term.
Next step
Talk it through with a broker.
An estimate only goes so far. Purchase, refinance or construction — tell us what you need, and start an application or talk to us first.