Home / Home Loan Calculators
Our online home loan calculator makes your home loan and mortgage easy. Compare loan options, determine how much you can borrow, and calculate your repayment amount effortlessly.
Whether you’re a first home buyer, upgrading your family home, seeking an investment opportunity, refinancing your current mortgage, or simply conducting research, start off on the right foot with our array of mortgage and investment calculators.
Calculate how much stamp duty (land transfer) and government fees you pay on property sale and purchase. Estimate the stamp duty cost for each state.
Working out how much you could borrow is an important part of choosing your new home and home loan. You need to know how much you comfortably afford to repay, given your other expenses and without impacting your lifestyle too much.
This is free online budget planner and calculator for your regular income and expenses. Plan your monthly budget the smart way and achieve your savings.
Use our comparison rate calculator to identify the best home loan for you by factoring in the loan term, interest rate, and fees you need to plan for.
Use our compound interest calculator to see how your savings or investments might grow over time using the power of compound interest.
Let our extra repayment calculator help you. Simply enter your existing loan details, plus additional contribution details and the calculator will estimate how much time and interest you can save by paying off more than your minimum loan repayments.
By using this calculator, you can easily calculate your annual gross income, yearly tax payable, and tax to gross income payable ratio. When applying for a home loan, lenders consider your gross income. This is done to evaluate what kind of mortgage you can afford.
Overwhelmed by all the home loans options available? Don’t be! With Comparison Calculator, you’ll have the power to narrow down your choices, and find an affordable rate that works for your situation.
Use our offset calculator to find out how much you could save on your home loan interest over the life of the loan if you use an offset account.
Work out how long it will take to pay off your home loan with our Repayment Calculator.
Credit card calculator to find the time it will take to pay off your credit card in certain time.
You can use this online calculator to give you an estimate of the tax you owe on your taxable income. The income tax rates will depend on the income year you select (up to the 3 previous years), and your residency status. Non-residents are taxed at a higher rate and are not eligible for the tax-free threshold.
This calculator helps you work out the repayments before and after the interest-only period, the total cost of an interest-only mortgage, and how much more you will pay with an interest-only mortgage compared to a principal and interest loan.
This calculator is a great tool to make sure you’ve covered all the costs of selling a property. It provides a total estimated property selling cost based on a summary of inputted costs and fees, helping you figure out the real cost of selling your property.
This calculator helps you work out whether you will save money by switching to another mortgage, how long it will take to recover the cost of switching, the benefits of making higher repayments instead of minimum repayments.
How much will you spend on property purchase costs? Find out how much stamp duty, fees & LMI will cost by using our home buying costs calculator.
Find out how much you will pay if you split between fixed vs. variable interest rates with our split loan calculator.
Calculate how much a lump sum payment on your loan will save you with our Lump Sum Repayment Calculator.
Use our savings calculator to see how you can increase your savings and get closer to your savings goal – be it a deposit for a new home, a holiday or a rainy day.
Use the reverse mortgage calculator to see how a reverse mortgage can affect the equity you have in your home.
Simply enter the details of the property that you’d like to buy and your personal situation. Our calculator will compare the cost of continuing to rent vs the cost of buying a home. Which is better for you?
Our calculators help you determine stamp duty and other property purchase costs. For any complex lending scenarios, please contact us directly at docs@niceloans.com.au or (07) 3114 2281.
A mortgage is a loan that you take out to finance the purchase of a home. It is a long-term loan typically repaid over several years. The property you purchase serves as collateral for the loan, and if you fail to make the mortgage payments, the lender can foreclose on the property.
Several factors come into play when determining mortgage eligibility. These include your credit score, income, employment history, debt-to-income ratio, and the amount of your down payment. Lenders also consider the property's appraisal value and condition.
A fixed-rate mortgage has a set interest rate that remains unchanged throughout the loan term. This means your monthly mortgage payments will also remain consistent. In contrast, an adjustable-rate mortgage (ARM) offers an initial fixed-rate period, after which the interest rate can fluctuate based on market conditions.
Don’t just take our words. Check out what our clients have to say about us.
Can’t rate them highly enough. We were looking to consolidate 2 home loans and specifically to get away from our then provider St George. Found the best deal for us, waded through all the paperwork and liaised with the old and new providers. Saved us so much time and stress and effort and cost us nothing! All paid for by the new provider. Really can’t say enough about their attention to detail and regular updates and their support.
Nice Loans has helped us tremendously for our home loan application and we are so grateful for his guidance and support. He has been excellent in terms of communication and finding the best home loan deal for us. We will always be grateful for their assistance for helping us to secure a property in Australia. I highly recommend Suman and his team if you are looking for a home loan options. Excellent service from Nice Loan teams. Highly recommended. Best in the business !!
Thank you so much for your assistance and guidance. It would have not been possible without you and your whole team. Thank you for helping us in making our dream turned into a reality. Your support helped us find our dream home, and we couldn't be more grateful and excited about this milestone. Thank you for being so wonderful during the entire process. If someone is after buying homes and needed assistance and direction, this is definitely the go-to. Will always recommend Nice Homes.
My heartfelt gratitude for the exceptional service and expertise you provided during the recent New property transaction. Your professionalism and attention to detail were truly impressive. I am pleased to leave a good review for you and your team based on the positive experience I had working with you. Thank you once again for your hard work and dedication. It was a pleasure doing business with you.
Nice Loans, an independent mortgage broker assisting clients to apply for Home Loans, Commercial Loans, and Car Loans for over a decade.
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