Mortgage calculators — panel-aware, every number cited.
Fourteen Australian mortgage calculators grouped by the question they answer. Each one runs your inputs against every active lender's actual assessment rate, DTI cap and policy variation — not a single comfortable bank number. The published methodology page documents every formula, every source, every shading rule.
Can I borrow this?
Panel-spread capacity calculators. Same inputs, every active lender's policy applied. The spread tells you where the file goes.
Borrowing capacity
Every active lender's maximum for your shape. The 20–40% panel spread visible at a glance, with the rules that drive it.
Run → ABN-awareSelf-employed capacity
Add-backs, two-year averaging, company & trust income shaded per lender. The methodology that decides the file.
Run → portfolioInvestment capacity
Rental shading (80% vs 85% vs short-stay 60%), gearing add-backs, portfolio DTI stacking across multi-property files.
Run → post-Sept-2025HECS impact
How a HECS balance changes borrowing capacity after the September 2025 indexation rules. Per-lender treatment.
Run →What will it cost?
Repayments, stamp duty and construction interest — calculated the way the lender actually charges it, not the averaged version.
Repayment + offset
Daily-balance amortisation with offset modelled properly. Not the averaged version most calculators ship.
Run → all 8 statesStamp duty
Concessions, FHB exemptions, foreign-buyer surcharges, off-the-plan rules — per state, current legislation cited.
Run → staged-drawConstruction progress
Slab / frame / lock-up / fix / completion interest cost across a 12-month build. The number builders skip.
Run →Should I LMI, refinance, or bridge?
Trade-off calculators. Each one quantifies the crossover so the decision is run, not assumed.
LMI break-even
Rent paid + growth foregone + premium across 60 months. The honest version — buy-now-with-LMI vs save-to-20%.
Run → cashback honestyRefinance break-even
When the cashback pays. Discharge + reg + valuation netted against the rate-differential saving over the hold period.
Run → peak debtBridging cost
Peak-debt + capitalised interest + residual-loan model. Buy-before-sell economics with the cliff visible.
Run →How should it be structured?
Split, structure and entity decisions — the questions the bank's calculator can't answer because it doesn't model your context.
Split loan optimiser
Fixed/variable mix tuned to your offset balance and rate-rise tolerance. The number neither product alone gives.
Run → trust / companyMulti-entity structure
Trust / company / personal ownership and how lenders assess each structure — the entity-aware view of the file.
Run →Tax structure & super files.
Where the broker file overlaps with the accountant file — Division 7A loan and SMSF LRBA panel-match. Both calculators ship with full editorial pillars at /division-7a/ and /smsf/.
Division 7A loan
Minimum yearly repayment per ITAA 1936 s109N. Year-by-year amortisation, secured vs unsecured term comparison, deemed-dividend cliff visible.
Run → LRBA · panel-matchSMSF loan
Score the fund against the active LRBA panel. Five policy levers — balance, liquid buffer, LVR, property type, contributions.
Run →Methodology — every formula cited
Each calculator's underlying formula, lender-policy source, shading rule, and panel-data refresh cadence is documented in one place. Built on the Connective quarterly matrix release — the same lender-policy source the broker file is run against at lodgement. The published methodology stays current alongside the panel updates.