Run your own numbers.

How much you could borrow, based on your income, expenses, debts and credit limits.

Repayments at any frequency, plus what extra monthly repayments do to your term and interest, charted live.

Transfer duty on your purchase in any state, including first home buyer concessions.

Your new rate vs your old one, net of switching costs and cashbacks, with the exact break-even month charted.

Model your offset balance plus monthly deposits: interest saved, years cut, and the month your loan turns interest-free.

What you need to save each week or month to hit your deposit goal on time.

Rents that rise, property that grows, a renter who invests the deposit: see which path wins and when the lines cross.

Roll your cards, car and personal loans into one repayment: the monthly relief, the true interest cost, and the smart way to structure it.