Mortgage Calculators

Unlike static calculators, Bheja.ai connects to the Consumer Data Right (CDR) ecosystem, letting you benchmark across real mortgage products published by Australian banks and lenders. This means your estimates reflect current rates, fees, and features — not outdated averages.

✔ Updated with live CDR Product Reference Data

✔ Built for Australian home buyers, refinancers, and investors

✔ Designed for transparency and smarter decisions

Below are the top calculators Australians search for each entry includes the primary intent, a short example, and related calculators to cross-check.

1. Borrowing Capacity Calculator

Find out how much you can borrow based on your income, expenses, and existing liabilities. Uses serviceability models aligned with major lenders’ data via the CDR network.
Example: A couple earning a combined $180,000 with $2,000 in monthly expenses may borrow between $850k–$1.1M, depending on deposit size and interest rate.

Understand how much home you can afford by factoring in your income, deposit, ongoing costs, and potential loan repayments. Reflects current market rates from the CDR dataset.
Example: With a $100,000 deposit and $150,000 annual income, you could afford a property worth around $850,000 at a 6% interest rate.

Estimate your monthly or fortnightly repayments and total interest payable based on your loan amount, interest rate, and term. Updated dynamically using lender data from the CDR network.
Example: $600,000 at 6.25% for 30 years ≈ $3,694/month.

Compare interest-only and principal-and-interest repayments to see how much you’ll pay during the interest-only period. Draws rate data from CDR-linked products.
Example: $700,000 loan at 6.5% interest-only = $3,792/month, while P&I ≈ $4,420/month.

See how much time and interest you can save by making extra repayments on your home loan. Powered by CDR-based amortisation data.
Example: Paying an extra $200/month on a $500,000 loan at 6% could save over $52,000 in interest and cut your term by 3.5 years.

Calculate how a one-off payment can reduce your interest and shorten your loan term. Based on real lender data through the CDR framework.
Example: A $20,000 lump sum on a $600,000 loan after five years could save ~$35,000 in interest and shave 1.8 years off the term.

Find out how an offset account reduces your interest by using your savings balance to offset your loan principal. Syncs with CDR interest rate feeds.
Example: Keeping an average $50,000 in your offset account on a $600,000 loan at 6% could save ~$180/month and cut years off your mortgage.

Model different scenarios by splitting your loan between fixed and variable portions to balance rate security and flexibility.
Example: Splitting $600,000 into $300k fixed at 6.1% and $300k variable at 6.4% could help balance rate risk while allowing faster extra repayments.

9. Refinance Calculator

Compare your current loan with new offers to see potential savings from refinancing. Includes CDR-linked rate comparison across lenders.
Example: Refinancing a $700,000 loan from 6.75% to 5.99% could save ~$320/month or $115,000 over the loan term.

Compare long-term financial outcomes between renting and buying, factoring in growth, repayments, and rent inflation.
Example: Renting at $700/week vs buying a $750k property at 6.3% may break even after ~8 years, depending on capital growth and rent trends.

Estimate the total upfront and hidden costs of buying a home, including stamp duty, legal fees, and lender charges.
Example: For a $900,000 home in NSW, expect upfront costs of $40k–$50k, including stamp duty and settlement fees.

Work out what it will cost to sell your home, including agent commissions, marketing, and conveyancing.
Example: Selling a $1M property may cost $20k–$30k in agent and marketing fees, depending on location and campaign type.

Calculate stamp duty payable on property purchases across all Australian states and territories, with rates sourced from official government schedules.
Example: A $750,000 owner-occupied property in VIC attracts ~$40,070 in stamp duty (subject to concessions and exemptions).

14. Loan to Value Ratio (LVR) Calculator

Determine your LVR to see if you’ll need LMI (Lenders Mortgage Insurance) and whether you meet typical lending thresholds.
Example: Buying a $900,000 property with a $100,000 deposit = LVR of 88.9%, which may trigger LMI costs.

Estimate how long it will take to pay off your home loan based on your repayments and interest rate.
Example: Paying $4,000/month on a $650,000 loan at 6.25% would take about 22.5 years to fully repay.