Most online mortgage calculators are either out of date, inaccurate or don’t full answer your questions.
Not ours! We’ve designed our calculators to give you a better insight into how banks will view your home loan application.
Mortgage Repayment Calculator
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%
yrs
Your Repayment
Note: After the year interest-only period, your monthly P&I repayment will be approximately .
P&I Monthly
Interest Only
Total Repayments
Total Interest
This calculator provides an estimate only. Actual repayments may vary. Please speak with a Supreme Finance broker for personalised advice.
Borrowing Power Calculator
Income
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$
$
Expenses & Liabilities
$
$
$
Loan Details
%
yrs
Maximum Borrowing Power
Conservative Estimate (85%)
Monthly Income
Monthly Surplus
Assessment Rate Used
APRA requires lenders to assess loans at your rate + 3%. Actual borrowing capacity varies by lender. Speak with a Supreme Finance broker to maximise your borrowing power.
Refinance Calculator
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%
%
yrs
$
Monthly Saving
Current Repayment
New Repayment
Annual Saving
Total Saving (after costs)
Break-Even Period
Estimates only. Actual savings depend on your specific loan, fees, and lender terms. Talk to a Supreme Finance broker for a full refinance analysis.
Loan-to-Value Ratio (LVR) Calculator
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$
$
Your LVR
Loan Amount
Deposit
Deposit Percentage
LMI Status
LVR above 80% generally requires Lenders Mortgage Insurance (LMI). Some lenders accept higher LVRs for specific occupations. Ask your Supreme Finance broker about waived LMI options.
Lenders Mortgage Insurance (LMI) Calculator
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$
Total Estimated LMILVR:
Base LMI Premium
Stamp Duty on LMI
LMI premiums vary significantly between lenders. Some professionals may qualify for waived LMI up to 90% or even 100% LVR. Speak with Supreme Finance to see if you qualify.
Stamp Duty Calculator
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Stamp Duty Payable
Transfer Registration Fee
Total Government Costs
Stamp duty rates are approximate and change frequently. Confirm exact amounts with your conveyancer or state revenue office. ACT uses a flat land value tax model — concessions vary. Always verify with official sources.
First Home Owner Grant (FHOG) Calculator
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Grant Amount
Not Eligible
FHOG amounts and eligibility conditions change regularly. This calculator reflects conditions as of mid-2025. Always verify current eligibility with your state revenue office or a Supreme Finance broker.
Home Equity Calculator
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$
Total Home Equity
Usable Equity (to 80% LVR)
Current LVR
Equity Percentage
Usable equity is calculated at 80% LVR to avoid LMI. Your usable equity can be accessed for renovations, investment properties, or other purposes. Speak with a Supreme Finance broker to explore your options.
Fixed Rate Break Cost Calculator
$
%
%
months
Estimated Break Cost
Months Remaining
Rate Difference
This is a simplified estimate. Break costs depend on the lender's wholesale funding model and are calculated differently by each institution. Always get an exact break cost quote from your lender before proceeding.
Credit Score Estimator
Answer a few quick questions to get an indicative credit score estimate (Equifax 0–1200 scale).
Estimated Credit Score
03006009001200
Improvement Tips:
Mortgage Comparison Calculator
$
yrs
Option 1
Option 2
Potential Monthly SavingBetter Option:
Option 1 Repayment
Option 2 Repayment
Total Saving (Full Term)
Extra Repayments Calculator
$
%
yrs
$
Total Interest Saved
Standard Repayment
New Loan Term
Making even small extra repayments can significantly reduce the time and interest paid on your mortgage. This estimate assumes the interest rate remains constant.
Investment Property Calculator
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$
%
$
$
Net Monthly Cash FlowStatus:
Annual Rental Income
Annual Operating Costs
Gross Rental Yield
This analysis does not include potential tax benefits (negative gearing) or capital growth. Investment decisions should be made with professional financial advice.
