Finance calculators
Put the numbers under pressure.
Use these estimates to test a position before speaking with a lender. Change the assumptions—not just the headline rate—to see what is really driving capacity.
Indicative household capacity
Home loan serviceability
Starts with household cash flow, then tests the loan at a higher assessment rate.
Income and security test
Commercial lease borrowing power
Tests net property income against debt service, then applies an LVR ceiling where a property value is supplied.
Repayment estimate
Home loan repayments
Compare principal-and-interest or interest-only repayments across common payment frequencies.
Read the result correctly
A calculator is a filter—not a credit decision.
These tools provide general estimates only. They do not account for every lender’s policy, tax position, income shading, minimum expense benchmark, security assessment or fees. Results are not financial advice, a credit quote or an offer of finance.
Ask Tim to review the numbers