BorrowWise provides free Australian mortgage calculators modelled on local lending rules, with plain-English guides to every stage of a home loan. When you are ready, an accredited broker will review your position at no cost.
What a free assessment covers
Start with the guide that matches what you are doing. Each one explains the process and links to the calculators that apply.
The purchase process in order, from saving a deposit to settlement, with the grants and concessions available in each state.
When switching lenders is worthwhile, what it costs, and how long a lower rate takes to recover those costs.
Rental yield, gearing and loan structures for investors, with the indicators that show where a market is heading.
Loan types and features explained, with neutral profiles of the major banks, challenger banks and non-bank lenders.
A complete set of calculators for Australian buyers and owners. Each has a dedicated page and is modelled on local rules for LMI, stamp duty and lending.
Many online calculators assume the advertised headline rate and omit the costs that determine whether a decision is financially worthwhile. BorrowWise models the Australian position in full, including LMI, stamp duty, offset, redraw and switching fees, so that each estimate reflects the likely cost in practice. Further detail is available in the guide to Australian home loans and the current interest rate overview.
Request a free assessmentBorrowing power depends on income, living expenses, existing debts and the lender's assessment rate, and not on salary alone. The borrowing power calculator applies a realistic serviceability buffer.
The appropriate choice depends on the value a borrower places on certainty relative to flexibility, and on the outlook for interest rates. The fixed vs variable calculator compares both options side by side on actual repayment terms.
Refinancing is worthwhile only once switching costs have been recovered. The refinance calculator subtracts discharge fees, application fees and any LMI from the projected saving to show the true break-even point.
There is no cost to borrowers. Brokers are paid by lenders and are legally obliged to act in the best interests of their clients. BorrowWise tools are provided free of charge.
Model your scenario using any of the 15 calculators, including repayments, borrowing power and stamp duty.
Your scenario is compared with current market rates to identify where savings may be available.
When you are ready to proceed, an independent, accredited broker manages the application and negotiation at no cost to you.
320 guides describe the housing stock, typical buyers and lending considerations of individual suburbs, with indicative transfer duty for each state.
First home owner grants, guarantees and duty concessions by state.
View grants and concessions by stateProvide a few details about your circumstances. A BorrowWise-accredited broker will review your position and present suitable options, at no cost and with no obligation to proceed.
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