Calculators

Each calculator is crafted to provide insights into different repayment structures and assist you in comprehending your financial obligations.

Please note that these calculators are a general guide and may not encompass all your circumstances.

Take a moment to explore the calculators relevant to your situation. And for a more precise understanding of your financial position and available solutions, contact us today.

*We exclusively use FBAA-approved Loan Calculators to guarantee accuracy and leverage the latest technology.

Loan Repayment Calculator

This calculator is crafted to provide an approximation of the potential borrowing amount from a lender. It’s important to recognise that the calculated borrowing power is based on a customised model, and this model may vary among different lenders. The calculator aims to offer a preliminary indication of what a lender might be willing to provide, considering your fundamental incomes and financial commitments. However, the precise amount you can borrow becomes certain only when you apply and secure conditional approval, revealing the maximum borrowing capacity for your loan.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Interest Only Mortgage Calculator

Utilising an interest-only mortgage payment calculator involves inputting your interest-only loan term, interest rate, and loan amount. The output provides an estimate of your monthly mortgage payment for the interest-only period, excluding the principal payments that will come into play later during the amortisation phase.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Stamp Duty Calculator

This calculator determines the stamp duty for property transfer, as well as mortgage registration and transfer fees applicable when acquiring a property in Australia. Additionally, if you are eligible, it computes the government’s First Home Owner’s Grant when purchasing your first home.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Income Tax Calculator

Compute a straightforward income tax obligation using the current personal income tax rates and thresholds set by the ATO.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Saving Calculator

This calculator approximates the total accumulation in a savings account through a regular deposit arrangement.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Comparison Rate Calculator

This calculator allows you to consider the various components that make up a loan, facilitating a comprehensive comparison of the loans available.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Extra Repayment Calculator

This tool assists you in approximating the potential time and interest savings throughout the duration of your loan by incorporating regular extra repayments.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Lump Sum Repayment Calculator

This calculator is designed to assess the influence of a one-time lump sum repayment, made at a specific point in your loan, on both the duration of your mortgage and the overall interest amount paid.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

How Long to Repay Calculator

This calculator assists in determining the duration required to repay a loan based on varying payment amounts.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Split Loan Calculator

Estimate your monthly repayments and overall interest across various fixed and variable rate scenarios using this calculator. Input specific details for your split loan, including loan amount, fixed period, fixed portion, fixed interest rate, variable interest rate, loan term, and repayment frequency. It will then compute your fixed and variable monthly repayments, total monthly repayments, total payable interest, and the total interest payable in the event of a loan solely at a variable rate.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Home Loan Offset Calculator

This tool aids in approximating the potential savings in interest and loan duration through the utilisation of a Home Loan Offset Account. It considers factors such as your loan amount, interest rate, loan term, repayment frequency, and offset account balance.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Introductory Rate Loan Calculator

Utilise our straightforward calculator to determine the overall cost of an introductory loan, accounting for the period after the initial interest rate.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Loan Comparison Calculator

Conduct a direct cost analysis by comparing any two loans available in the market. Evaluate which option proves to be the most economical when considering the total fees and interest accrued throughout the loan’s entire duration.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Leasing Calculator (Asset Finance Calculator)

Use this calculator to approximate your monthly payment, total payable interest, and overall payment amount for your asset finance. Additionally, the tool offers a loan balance chart illustrating the outstanding amount over a specified period.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Property Buying Cost Calculator

Use this calculator to approximate the comprehensive expenses related to property acquisition. This includes stamp duty, mortgage registration fee, transfer fee, government fees, lender fees, loan application fees, legal fees, lender mortgage insurance, house insurance, contents insurance, solicitor and conveyancing fees, strata search, pest inspection, moving expenses, building/council inspection, connecting utilities, land tax, rates, and additional associated costs.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Property Selling Cost Calculator

This calculator assists you in approximating the total expenses linked to selling a property. This encompasses real estate agent costs, lender fees, prepayment fee, settlement fee, early exit fee, government mortgage discharge fee, solicitor/conveyancing fees, removalist costs, settling costs/outstanding bills, and additional associated expenses.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Compound Interest Calculator

Use this calculator to compute the interest accrued on a principal sum over a specified timeframe. This provides flexibility to select the compounding frequency and interest rate, offering an estimate of the total amount earned.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Budget Planner

Use this calculator for budget planning. Enter your income and expenses, and the tool will furnish you with a comprehensive breakdown of your financial situation.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Credit Card Calculator

Utilise this tool to compute your credit card balance, minimum repayment, and interest.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Reverse Mortgage Calculator

Use this calculator to project the number of years you can sustain yourself with the equity in your home before it either diminishes to zero or reaches a safeguarded level. The interest accruing on a reverse mortgage compounds monthly and increases swiftly. This tool can assist you in evaluating whether utilising a reverse mortgage might be a viable option for you.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Income Annualisation Calculator

This calculator aids in assessing borrowers’ annual income based on the income that has accumulated for less than a complete year as of the current date.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Income Gross Up Calculator

This calculator is created to compute your yearly gross income using your net or post-tax income. Additionally, it offers details on your annual tax liability and the ratio of tax to gross income.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Savings Goal Calculator How Long to Save

Utilise this tool to calculate the timeframe needed to achieve your savings objective. The calculator is crafted to assist you in estimating the duration required to reach your savings goal through a consistent deposit arrangement in a savings account.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Savings Goal Calculator How Much to Deposit

Utilise this tool to determine the regular deposit amount needed to achieve your savings goal.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Fortnightly Repayment Calculator

Use this tool to compute your fortnightly repayments. This can assist you in assessing potential interest and time savings by making half or a quarter of the monthly repayments every two weeks or weekly.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Mortgage Switching Calculator (Refinance Calculator)

Use this tool to assess whether transitioning to a new loan aligns with your financial goals. The calculator evaluates three scenarios: (1) maintaining the current loan repayment, (2) switching to a new loan and making the minimum repayment, or (3) transitioning to a new loan and retaining the current higher repayment if feasible.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

Rent vs Buy Calculator

Employ this tool to compare the financial outcomes of renting versus buying a house. The calculator considers multiple factors, including savings amount, investment returns, rent, annual rent increase, house purchase price, upfront purchase expenses, ongoing costs, annual cost escalation, home appreciation, loan amount, loan term, loan interest rate, and monthly loan repayment. The calculator conducts a comprehensive analysis of the user’s financial position and generates a chart illustrating the comparison of savings and home equity for renting and buying over a 30-year period.

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*Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances. Financial Calculators © VisionAbacus Pty Ltd 2023

How much can I borrow?


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