Calculators
Home loan calculators with source dates visible.
Estimate repayments, duty, borrowing range, refinance timing, and offset savings before a loan conversation. The calculators are native to this site and show assumptions beneath the results.
These calculators provide general estimates only. They are not loan approval, financial advice, tax advice, or legal advice. Sources checked 4 Jul 2026.
Repayments
Estimate repayments, interest, and payoff timing for a home loan.
Purchasing Power
Estimate the property value your available funds and serviceability may support.
Stamp Duty
Estimate base transfer duty and selected surcharge line items by state or territory.
Capacity
Estimate a borrowing range from income, expenses, debts, and assessment-rate assumptions.
Refinance
Compare repayments, switching costs, break-even timing, and interest savings.
Offset
Estimate interest savings and time saved when offset balances reduce interest charged.
Need context?
Use the calculators as a starting point, then confirm the numbers against your documents.
RAY can help organize income records, tax documents, and business financials before a lending discussion.
Next step
Bring the estimate and the documents behind it.
Call RAY Accounting Group for practical support before a home loan, refinance, or property purchase conversation.