Home loan calculators

Estimates only, for general guidance - not a loan offer or financial advice. Based on indicative variable rates by loan-to-value ratio (LVR): 6.20% p.a. at or below 80%, 6.50% p.a. from 80–90%, and 7.00% p.a. above 90% - First Home Guarantee loans are modelled at the standard 6.20% rate. Each is assessed with the standard 3% buffer, FY2026–27 tax settings, QLD transfer duty (including the first-home new-home exemption for contracts from 1 May 2025) and typical QLD registration, legal and inspection costs, and above 80% LVR an indicative Lenders Mortgage Insurance premium where the guarantee doesn't apply. "What you could potentially purchase" is an estimate of the highest price you may be able to complete with your current savings; the amount to save is the extra deposit a higher price would likely need. The First Home Guarantee option models the expanded Australian Government scheme (from 1 Oct 2025): 5% minimum deposit, no LMI, and property price caps of $1,000,000 for Brisbane, the Gold Coast and the Sunshine Coast or $700,000 for the rest of QLD - eligibility criteria apply and the scheme is offered through participating lenders. Living expenses use the higher of your figure and an income-based benchmark. Actual figures depend on your full circumstances, lender policy and current rates.