Your loan details

Loan amount$100k–$5M

$

Interest rate~6.04%

%

Loan term30 yrs

Repayment frequency

MonthlyFortnightlyWeekly

Repayment type

Principal & InterestInterest Only

Extra repaymentSave big on interest

+$/ month

Money in offset accountCuts interest

$

Assumes the balance stays in your offset for the whole loan term. You're only charged interest on the loan amount above it, so you pay the loan off faster.

Your repayment

$4,815

per month

Total interest$933,381

Total to repay$1,733,381

Payoff in30 yrs 0 mo

Talk to William → free 15-min call

Estimate only. Actual repayments depend on your lender, fees, and loan structure.

Your finances

Household type

SingleCouple

Dependants

Gross annual income

$

Other monthly income

$

Monthly living expenses

$

Credit card limit

$

Other monthly debts

$

Assessment rate

%

Living expenses exclude rent/mortgage. Credit card: 3.8% of limit counts monthly. Assessment rate = your rate + ~3% lender buffer.

Estimated borrowing capacity

$680,000

based on a 30-year P&I loan

Likely range$612k – $748k

Max monthly serviceable$5,469

Net surplus$3,469/mo

Real capacity varies by lender. Some lenders are 25% more generous than others on identical scenarios. William finds the right one for you.

Get a real serviceability check →

Estimate only. HEM, lender DTI caps, foreign income haircuts, etc. not applied. William's check uses Quickli + lender Excel sheets.

Compare two loan scenarios

SCENARIO A

Loan amount

$

Interest rate

%

Term (years)

Monthly repayment

$4,815

Total interest:$933,381

SCENARIO B

Loan amount

$

Interest rate

%

Term (years)

Monthly repayment

$4,664

Total interest:$879,121

Scenario B saves you

$54,260

over the life of the loan — that's $151/mo back in your pocket

Get the better rate →

Residential stamp duty

State / territory

Property value

$

Property type

EstablishedNew buildVacant land

Who is buying

Owner-occupierInvestor

First home buyer?

NoYes

Foreign purchaser?

NoYes

First-home and foreign-buyer rules vary by state. This uses current state government rates as a guide.

Estimated stamp duty

$30,412

New South Wales · FY2025–26

Transfer duty$30,412

Other costs at settlement

Govt title & registration$351

Conveyancer / solicitor$1,500–$2,500

Bank settlement fee~$200

Estimated total at settlement$33,000

Foreign buyer surcharge 9% (residential). First-home: no duty up to $800k, concession to $1M.

Talk to William → free 15-min call

Figures as at FY2025–26 · revenue.nsw.gov.au. Estimate only — confirm exact duty with William.

Commercial stamp duty

State / territory

Property value

$

Commercial / non-residential transfer duty. Owner-occupier, first-home and foreign-buyer concessions do not apply to commercial property.

Estimated stamp duty

$39,412

New South Wales · FY2025–26

Stamp duty$39,412

Other costs at settlement

Govt title & registration$414

Conveyancer / solicitor$1,500–$2,500

Bank settlement fee~$200

Estimated total at settlement$41,500

Commercial / non-residential transfer duty.

Talk to William → free 15-min call

Figures as at FY2025–26 · revenue.nsw.gov.au. Estimate only — confirm exact duty with William.

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