Home Loan Calculators

Explore our collection of free home loan calculators to help you plan your finance. Once you’ve completed your initial research, send us an enquiry to help formalise your plans.

Calculate Your Home Loan Repayments with Westgate Home Loans

Take the guesswork out of your property journey with Westgate’s free home loan calculators. Whether you are a first-time buyer, building your dream home, or looking to refinance your mortgage, our easy-to-use tools are designed to help you take control of your finances.

Our suite of mortgage calculators allows you to estimate monthly costs, compare different interest rates, and plan your financial future with confidence.

Why Use Our Tools?

Having all your financial tools in one place saves time and ensures accuracy. You can use our online home loan calculators to determine the following and much more:

  • Loan Repayments: Estimate your weekly, fortnightly, or monthly payments.

  • Stamp Duty Costs: Calculate the government fees based on your state and property price.

  • Borrowing Power: Find out how much you can realistically afford to borrow.

  • Refinance Savings: See how much you could save by switching to a lower rate.

  • Lump Sum & Extra Repayments: Discover how much interest you can save by paying off your loan faster.

Before you Buy Calculators

Borrowing Power Calculator

Calculate your borrowing capacity based on your gross income for a clearer financial picture.

Loan Repayment Calculator

Loan Repayment Calculator

Estimate your home loan repayments based on loan amount, term and interest rate.

Stamp Duty Calculator

Stamp Duty Calculator

Calculate how much stamp duty you’ll need to pay when purchasing a property.

Property Buying Cost Calculator

Calculate all the costs involved in buying property, including stamp duty, legal fees, and more.

Loan Comparison Calculator

Easily compare multiple loans side by side to find the one that suits your needs best.

Split Loan Calculator

Explore the benefits of splitting your loan into multiple parts with different rates and repayment options.

Income Annualisation Calculator

Income Annualisation Calculator

Estimate your yearly income based on full time, casual, part-time, or irregular earnings.

Calculators When You Own a Home

Mortgage Refinance Calculator

See the potential benefits and savings from refinancing your mortgage.

Extra Repayment Calculator

Extra Repayment Calculator

Find out how much interest you can save by making extra repayments on your loan.

Home Loan Offset Calculator

Home Loan Offset Calculator

Find out how much interest you can save or how you can reduce your loan term with an offset home loan.

How Long to Repay Calculator

How Long to Repay Calculator

Calculate how long it will take to repay your loan based on your repayment strategy.

Lump Sum Repayment Calculator

See how making a lump sum payment can reduce your mortgage balance and shorten your loan term.

Interest Only Mortgage Calculator

Calculate your interest-only mortgage repayments and see how much you’ll pay over time.

Reverse Mortgage Calculator

Calculate the potential income from a reverse mortgage to support retirement planning.

Property Selling Cost Calculator

Plan your sale with a breakdown of selling costs, agent fees, and other expenses.

Budget Planner

Organise your income and expenses to manage your finances effectively.

Rent and Savings Calculators

Renting vs Buying Calculator

Rent vs Buy Calculator

Calculate your costs for renting vs buying to see what works best for your situation.

Savings Goal Calculator
How Long to Save a Deposit

Determine how much you need to save regularly to reach a specific goal in your desired timeframe.

Saving Calculator

Saving Calculator

Forecast how your savings will grow over time with regular contributions and interest earned.

Credit Card Calculator

Understand how long it will take to pay off your credit card balance and how interest affects repayments.

Disclaimer
Please note the results from each calculator should be used as an indication only, for more detailed information we recommend speaking directly with a Westgate Home Loans mortgage broker.

Let Us Find the Right Loan For You

Ready to take the next step? Whether you’re starting fresh or reviewing your existing home loan, we’re here to help. Contact Westgate Home Loans today for expert advice and a free consultation.