MORTGAGE CALCULATORS

Run the numbers. Then understand what they mean.

Use our mortgage calculators to explore repayments, borrowing capacity and potential investment returns before your next conversation with MortgageDesign.

 Calculator results are indicative only. Your actual lending position depends on lender policy, income, expenses, deposit/equity, existing commitments and the structure of the loan.

Estimate your mortgage repayments.

See how different loan amounts, interest rates and loan terms may affect your regular repayments.

Useful for:

comparing repayment scenarios

seeing the impact of interest-rate changes

testing different loan terms

planning your Cash flow

Get an initial view of what you may be able to borrow.

Use your income, expenses and existing commitments to get an indicative borrowing range

Then add a short note:

A calculator cannot account for every lender’s policy or how different lenders assess income and expenses. MortgageDesign can review the numbers in the context of your actual circumstances.

Numbers are useful. The structure behind them matters more.

Calculators can help you explore possibilities, but they cannot tell you which lender, loan structure or strategy is most suitable for your circumstances. MortgageDesign can review the numbers, compare suitable lender options and help you understand the next step.

Explore the potential return on an investment property.

Use purchase price, expected rent, costs and financing assumptions to explore an indicative investment return.

Useful for:

comparing properties

testing rental assumptions

understanding the effect of costs

reviewing potential cash flow

This calculator is a planning tool only and does not account for every tax, lending, market or property-specific factor.

Estimate the equity in your property.

Use your estimated property value and current lending balance to get an indicative view of available equity. Usable equity is usually less than total equity, because lenders generally only lend up to a set percentage of your property's value. How much you can actually use also depends on your income, other debts and lender policy.