Mortgage Calculator
Explore your indicative borrowing capacity using your household, income, expenses and buying plans.
Open calculator — Mortgage CalculatorCapital Connections Finance · CalculatorsYour next move.
Your next move.
Start with the numbers.
Buying your first home, reviewing your loan or building a deposit? Explore eight practical calculators to help you understand your options.
Find the right calculator
Choose a tool below. Adjust the inputs, compare the results and read the assumptions on each calculator page.
Showing all 8 calculators
Loan Repayment Calculator
Estimate regular repayments and compare Scenario A and B to see how loan choices affect your costs.
Open calculator — Loan Repayment CalculatorStamp Duty Calculator
Explore estimated transfer duty and government purchase costs for your chosen state or territory.
Open calculator — Stamp Duty CalculatorYTD Income Calculator
Use your payslip income and dates to explore an annualised income estimate.
Open calculator — YTD Income CalculatorSavings Goal Calculator
See how regular deposits and an assumed interest rate could help you reach your savings target.
Open calculator — Savings Goal CalculatorHome Loan Offset Calculator
Compare a loan with and without an offset balance to explore potential interest and time savings.
Open calculator — Home Loan Offset CalculatorExtra Repayment Calculator
Explore how paying extra each week, fortnight or month could reduce interest and shorten your loan.
Open calculator — Extra Repayment CalculatorRent vs Buy Calculator
Compare projected net wealth from buying a home with renting and investing your available savings.
Open calculator — Rent vs Buy CalculatorNot sure where to begin?
Follow a simple path from your starting budget to your next conversation.
01 / UNDERSTAND YOUR POSITION
Start with your budget
Explore borrowing power, annualised income or the time needed to reach your savings goal.
Explore borrowing power02 / COMPARE THE COSTS
Look beyond the purchase price
Consider repayments and upfront costs. Compare renting and buying if you are deciding whether to enter the market.
Compare renting and buying03 / REVIEW YOUR OPTIONS
Explore ways to repay sooner
See how an offset balance or regular extra payments might change your interest costs and loan term.
Explore extra repaymentsCalculator questions, answered
Which calculator should I start with?
Start with the Mortgage Calculator for an indicative borrowing estimate. Then explore repayments and upfront buying costs. If you are still saving, begin with the Savings Goal Calculator.
Are the results a loan approval or lender quote?
No. Results are estimates based on your inputs and each tool’s assumptions. A lender will assess your circumstances and current lending criteria separately.
Are rates and government charges always live?
Do not assume every tool uses a live feed. Check the assumptions and any update information on the individual calculator, and confirm current rates and charges before making a decision.
Can I use these tools on my phone?
Yes. The calculator pages are designed for mobile, tablet and desktop use.
Can the team help me understand my results?
Yes. Request a consultation with Capital Connections to discuss your figures, buying plans and possible next steps.
Turn your figures into a conversation.
Share your goals with Capital Connections and get help understanding what your calculator results could mean for your next step.
Calculators provide general estimates, not financial advice, lender quotes or approval. Results depend on inputs and assumptions. Confirm current product terms and applicable government charges before making a decision.