Australian Mortgage & Property Finance Toolkit
Every mortgage tool you need, in one place.
Built for buyers, refinancers, investors, and first-timers who want answers — not sales calls.
What's inside
Borrowing Power
Estimate capacity using APRA's 3% buffer, HEM benchmarks, and income shading. Rate sensitivity table included.
Pre-purchaseMortgage Calculator
Model repayments at any frequency with offset accounts, extra repayments, and interest-only periods. Full amortisation schedule included.
Core toolStamp Duty & Upfront Costs
Full settlement cash breakdown — stamp duty across all states, LMI, lender fees, conveyancing, and inspections.
Upfront costsLoan Comparison
Compare up to three loans side by side — rates, terms, offsets, fees. Winner highlighted in each category.
Decision toolFirst Home Buyer Hub
Every federal and state grant in one place — FHOG, FHSS, First Home Guarantee, stamp duty exemptions, and Help to Buy.
New buyersRate Watch
RBA rate simulator, fixed vs variable break-even analysis, and stress test for the max rate your income can handle.
Rate riskMy Loan Tracker
Track your existing loan — rate changes, balance, equity, and offset. Includes valuation lookup and CSV export.
Your loanInvestor Tools
Yield, cash flow, gearing, tax benefits, depreciation schedules, acquisition costs, ROI, and 30-year equity projections.
InvestorsImportant Disclaimer
MortgageToolkit AU is an independent calculation and educational tool. All figures produced are estimates only and are provided for illustrative and informational purposes. They do not constitute financial advice, credit advice, or a credit quote under the National Consumer Credit Protection Act 2009 (Cth).
Calculations rely on inputs you provide and standard mathematical formulas. They do not account for your complete financial circumstances, lender credit policies, changes in interest rates, government scheme eligibility rules, or other factors that may affect the actual cost or availability of a loan or grant.
Before making any financial decision — including purchasing property, applying for a loan, accessing government schemes, or structuring an investment — you should seek advice from a:
- Licensed mortgage broker (ASIC-regulated, Australian Credit Licence holder)
- Bank or authorised deposit-taking institution for formal loan assessment
- Registered financial adviser (ASIC Financial Services Licensee) for investment and wealth advice
- Registered tax agent (Tax Practitioners Board registered) for depreciation, negative gearing, and FHSS tax matters
- Solicitor or conveyancer for stamp duty, title, and contract matters
Your results will appear here
Enter your loan details and click Calculate Mortgage to see a full breakdown, payment schedule and charts.
Track your existing mortgage
Enter your original loan details and rate changes to see where you stand today — and what's ahead.
Enter your details to check eligibility
We'll calculate every grant, scheme, and concession available to first home buyers in your state — and show the total benefit in dollars.
All figures are estimates based on publicly available scheme rules as of 2025. Eligibility conditions, grant amounts, and income caps change. Verify directly with your state revenue office and the ATO before applying. This is not financial advice.
Enter your details to estimate borrowing power
Uses APRA's 3% serviceability buffer and Australian tax brackets for an accurate estimate.
Stamp Duty & Upfront Costs
Every dollar you need at settlement — not just stamp duty.
Stamp Duty — All States
Loan Comparison
Side-by-side analysis — find the loan that actually costs you less.
Figures are calculated using the inputs provided and standard amortisation formulas. They are estimates only — actual repayments, total interest, and fees depend on your lender's specific terms, compounding method, and any rate changes over the loan life. Annual fees, offset accounts, and redraw facilities may not be fully reflected. Interest rates used are not verified live rates. This tool does not constitute a credit quote or financial advice. Always obtain a formal comparison rate and written quote from each lender, and consult a licensed mortgage broker or credit adviser before committing to a loan.
Enter your loan details to analyse rate scenarios
See how RBA rate moves affect your repayments, when fixed becomes cheaper than variable, and what rate your budget can withstand.
RBA Rate Change Simulator
How your repayment changes at each cash rate scenario
Fixed vs Variable — Cumulative Cost
How many rate cuts does variable need to beat the fixed offer?
Repayment Stress Test
Maximum sustainable rate given your income
Fixed vs Variable Scenarios
Break-even at different future variable rates
Rate scenarios are illustrative only. The RBA sets the cash rate independently — actual lender variable rates include a margin above cash rate that can change separately. Fixed rates involve break costs and limit extra repayments. Always consult a mortgage broker before locking in.
Enter your property details
Fill in the form and click Analyse Investment to see rental yield, cash flow, tax benefits and depreciation schedules.
Annual Cash Flow Position
Annual Tax Benefit
—Property Value & Equity Growth
Property value projections are based on the annual growth rate entered and compound annually from purchase price. Loan balance is the outstanding principal each year. Equity = Property Value − Loan Balance. These are estimates only — actual growth varies significantly by location, property type, and market conditions.
Annual Profit & Loss
Depreciation Schedule
| Tax Year | Div 43 — Building | Div 40 — Plant & Equip. | Total Deduction | Tax Saving | Div 43 Remaining | Cumulative Deductions |
|---|
Depreciation estimates are indicative only. A Quantity Surveyor's report is required for ATO lodgement. Div 43 applies to buildings constructed after 16 Sep 1987 at 2.5% p.a. (40 yrs). The schedule starts from the year of purchase — years already elapsed since construction reduce the remaining Div 43 life. Div 40 uses the ATO diminishing value method; opening balances are adjusted for the building's age at purchase. Rates per ATO effective life rulings.
All figures are estimates for modelling purposes only. Tax outcomes depend on individual circumstances — consult a registered tax agent or financial adviser.