Mortgage Calculator or Loan Calculator

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	How Much Can I Borrow?			Offset Mortgage Calculator
	Complete Loan Comparison			Lump Sum Payments
	Extra Repayments			Split Loan
	How Long to Repay?			Stamp Duty
	P & I / Interest Only			Income Tax
	Basic Loan Repayments			Car Lease

* Austral Mortgage Corporation provides these calculators as a guide only and results should be checked with a qualified financial consultant before use. 

A mortgage calculator has become an important resource tool when purchasing a property or refinancing your existing home loan. Use an online mortgage calculator to help you assess your mortgage payment options.

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Mortgage Calculators

• How much can I borrow calculator
  Ever wondered how much you can borrow but didn’t want to go through the hassle of applying for a loan to find out? By inputting a few simple details, you can now get an indication of your borrowing capacity, monthly commitment and the total interest payable over the entire loan term.



• Complete loan comparison calculator
  Compare two different lenders’ fixed rate loans inclusive of up-front, ongoing and exit fees applicable. Find out what your monthly repayments will be during the fixed rate period, when the fixed rate expires as well as the total cost of the loan. Most importantly, find out how much you can save comparing one against the other!



• Extra repayments calculator
  Are you in a position to make an additional fixed periodic repayment? Find out what effect your additional payment has on the remaining term of your loan and total cost of your loan.



• How long to repay calculator
  If you know the interest rate and you have an amount you are comfortable in paying each period, so long as it’s greater than the minimum requirement, why not find out how quickly you can pay your loan off?

• P & I / Interest Only calculator
  In some instances you may wish to commence your loan in an Interest Only period rather than reducing the Principal (P&I) from day one. This might be due to any number of reasons such as cash flow, taxation purposes, etc. Here, we show you the effect of an Interest Only period during the term of the loan (generally up to 10 years allowable). We identify the differences in minimum repayments required, the total cost of the loan and total interest payable.



• Basic loan repayments calculator
  Compare two different interest rates over two loan term periods to find out how much your repayments will be and the total cost of the loan for that term period.



• Lump sum payments calculator
  From time to time you may be in a position to make a lump sum payment off your mortgage. This calculator allows you to see the impact that the one-off payment will have on the remaining term of your loan and the interest you will save regardless of when you make it.

• Split loan calculator
  Would you like the flexibility of a variable rate loan but also the security of knowing that your repayments won’t change with an interest rate rise? Consider a split loan that affords you both luxuries. Our Split Loan calculator provides you with both the fixed and variable portion repayment amounts as well as the post fixed rate period repayment.



• Stamp duty calculator
  When buying a home or investment property or taking out a mortgage on a property, there are always government fees and duties applicable. Our stamp duty calculator provides all of these for each State and Territory.



• Income tax calculator
  Tired of sorting through pages and pages of Income Tax tables? We’ve taken the paperwork out of the equation for you. You provide one amount and our Income Tax calculator will do the rest for you.



• Car Lease
  Buying a car? Considering leasing it? Our Car Lease calculator will assist you to estimate the monthly repayments.