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Free Home Loan Calculators — Melbourne 2026

13 professional mortgage calculators — free to use, no sign-up required.

Powered by MFAA-accredited calculators. General information only — not financial advice. For a personalised assessment across 40+ lenders, book a free consultation with Preeti Sidhu — Licensed Mortgage Broker | ACL 475676 | 303 Collins St, Melbourne.

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Borrowing Power Calculator
Find out how much you can borrow for a Melbourne home loan in 2026 at the current APRA stress test rate.
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Loan Repayment Calculator
Calculate your exact monthly and fortnightly home loan repayments at current Melbourne variable rates.
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Interest Only Mortgage Calculator
Compare interest only vs principal and interest repayments on your Melbourne investment property loan.
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Mortgage Switching Calculator
See whether refinancing your Melbourne home loan saves money after exit fees and switching costs.
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Loan Comparison Calculator
Compare two Melbourne home loan options side by side — total interest, repayments and break-even point.
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Split Loan Calculator
Model your fixed and variable split home loan repayments and total interest cost side by side.
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Extra Repayment Calculator
See how much interest you save and how many years you cut by making extra repayments on your Melbourne home loan.
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Stamp Duty Calculator
Calculate Victorian stamp duty for your Melbourne property — including 2026 first home buyer exemptions and concessions.
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Fortnightly Repayment Calculator
Discover how switching to fortnightly repayments cuts years off your Melbourne mortgage — at no cost.
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Budget Planner
Plan your household budget before applying for a Melbourne home loan — the key input lenders use to assess borrowing capacity.
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How Long to Repay Calculator
Find out how long it takes to pay off your Melbourne home loan at your current repayment amount.
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Property Buying Cost Calculator
Estimate all upfront costs of buying a Melbourne property — stamp duty, legal fees, inspections and lender charges.
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Savings Calculator
Calculate how long it takes to save your Melbourne home loan deposit at your current savings rate.
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Want a Personalised Assessment?

These calculators provide general estimates. For a personalised assessment across 40+ lenders tailored to your income, deposit and goals — book a free consultation with Preeti Sidhu.

Preeti Sidhu | Licensed Mortgage Broker | ACL 475676 | MFAA Accredited | 303 Collins St, Melbourne | General information only — not financial advice.

Get a Free Consultation!