These are estimates
Book a chat and Jason or Steve will calculate your exact repayments, stamp duty and savings across 60+ lenders - at no cost to you.
Online calculators give you a ballpark figure based on simplified assumptions. Your actual repayment, stamp duty, or refinancing saving depends on the specific lender, their assessment criteria, the fees they charge, and features like offset accounts or redraw facilities that affect the true cost of your loan.
At Lendology, we compare the real numbers across 60+ lenders - not just the headline rate, but the total cost including fees, features, and flexibility. The difference between the calculator estimate and the best deal available to you can be thousands of dollars over the life of your loan.
Use these tools to get a sense of the numbers, then book a chat for the precise figures based on your actual situation.
They give you a reliable estimate for planning purposes. Actual figures depend on the specific lender, your income and expenses, and the loan features you choose. Lendology provides precise figures after a full assessment - at no cost.
No. Use the current average variable rate as a starting point (shown as the default in each calculator). We will find your actual best available rate when you book a chat.
Take a screenshot or note the key figures. When you book a chat with Lendology, we run the numbers using your actual income, expenses, and the best rates currently available - which will give you more accurate figures than any calculator.
Borrowing capacity depends on too many variables (income type, expenses, existing debts, lender policies) for a generic calculator to be accurate. The difference between lenders can be $80,000–$120,000 for the same borrower. Book a chat and we will assess your capacity across our full panel - it takes 15 minutes and gives you a real number.