Calculators
Calculators
Four tools, and what each one can honestly tell you before a lender has seen anything.
Borrowing power
What the year can carry, as a number. The page prints its own assumptions, which is why it stops short of handing you a borrowing figure.
Repayments
Principal and interest against interest only on the same loan, and what the cheaper monthly payment costs you at the end of it.
Stamp duty
State by state, and the concessions that move the bill further than the purchase price does. Grants stay on their own page.
Should I refinance
Whether the switch pays for itself, once the costs of moving and the years you have already served are both in the sum.
Have your own numbers run instead of estimated
None of these four is a lender decision. Send the figures behind whichever question brought you here and Money Brain runs it across the panel, with the reason each lender lands where it does.
Checked and updated 30 August 2026