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0413 364 684Explore the numbers behind your next move
Estimate repayments, explore borrowing scenarios and understand potential property costs. Use our calculators to prepare for a more informed conversation with Genuine Financial Services.
Explore CalculatorsChoose your calculator
Start with the question that matters to you. Each calculator focuses on a different part of buying, borrowing or managing your home loan.
Plan your repayments
Estimate repayments using your loan amount, interest rate and loan term. Explore how changing these inputs affects your repayment estimate.
Useful for: Building a starting budget for a new or existing mortgage.
Calculate repaymentsExplore your budget
Explore an indicative borrowing estimate based on your income, expenses and financial commitments.
Useful for: Preparing for a conversation about your borrowing position.
Estimate borrowing powerUnderstand purchase costs
Estimate property transfer duty based on the purchase details, state or territory and applicable buyer assumptions.
Useful for: Allowing for government charges in your property budget.
Estimate stamp dutyExplore paying more
See how additional repayments could affect your estimated interest costs and the time needed to repay your loan.
Useful for: Exploring the impact of putting spare funds towards your mortgage.
Explore extra repaymentsUnderstand loan features
Explore how an eligible offset balance could affect the interest calculated on your home loan under the selected assumptions.
Useful for: Understanding the potential effect of keeping savings in an offset account.
Explore offset scenariosReview your mortgage
Compare your current loan with an alternative using estimated repayments, interest and switching costs.
Useful for: Exploring whether a loan review could be worth discussing.
Compare refinancing scenariosPlan the full purchase
Build an estimate of the funds needed for a purchase, including your deposit and the additional costs you enter.
Useful for: Looking beyond the property price when preparing your budget.
Estimate buying costsWork towards your deposit
Estimate how your current savings and regular contributions could help you work towards a chosen home deposit target.
Useful for: Setting a savings goal and exploring a potential timeline.
Plan your deposit savingsExplore your loan structure
Estimate repayments when your mortgage is divided into separate portions, such as fixed-rate and variable-rate components.
Useful for: Comparing different loan splits and interest rate assumptions.
Explore a split loanCompare future scenarios
Compare renting and buying over a selected period using assumptions about housing costs, savings, interest rates and property growth.
Useful for: Exploring how different assumptions influence your longer-term comparison.
Compare renting and buyingMake the most of your estimates
Use your current figures where possible. Check the calculator’s assumptions and include relevant costs rather than relying on the default values.
Change your loan amount, interest rate or timeframe to explore how the result responds. Allow for circumstances that may change.
Bring your estimates and questions to our team. We can explain how lender requirements and your circumstances may differ from a calculator scenario.
Your questions answered
Start with the loan repayment calculator if you want to explore regular repayments. Use the borrowing power calculator for an indicative borrowing estimate, or the buying costs and deposit savings calculators when preparing for a purchase.
No. A calculator uses a simplified set of assumptions. Lenders apply their own criteria and assess your income, expenses, debts, credit information and proposed security before making a decision.
Differences can arise from interest calculation methods, payment dates, fees, repayment frequency and product terms. Check the assumptions shown on the individual calculator and use the lender’s documents for the repayment terms of an actual loan.
No. The result depends on the figures entered and may change with rates, costs or loan terms. Consider switching fees, any break costs and total interest over the proposed term before deciding.
Yes. Our Melbourne-based team supports clients across Australia. Speak with us in English, Hindi, Nepali or Bengali to discuss your estimates, goals and lending circumstances.
Whether you are buying, refinancing or planning ahead, Genuine Financial Services can help you understand your next steps.