Three simple planning tools for first-home buyers, growing families and borrowers reviewing the next step.
Use them to frame better questions before you speak with FRF. They run in your browser only. Nothing you enter here is sent, saved or used as a loan application.
Use the FRF calculators to explore repayments, borrowing-capacity conversations and buying-cost planning. Results are estimates only and need to be considered in the context of your full circumstances.
Choose a time to talkMove through them in order, or jump to the question you need answered first.
Estimate a monthly principal-and-interest repayment, then compare it with a higher-rate scenario.
This assumes a constant rate, no fees, no offset, no redraw, no extra repayments and monthly repayments.
Use your income, expenses, commitments and savings buffer to create a discussion point before a lender assessment.
This is deliberately simple. It does not use lender expense benchmarks, credit policy, tax treatment, employment rules, dependants or property assessment.
Bring the purchase price, duty estimate, cash available and savings buffer into one picture.
Enter your own transfer-duty or concession estimate after checking the current official rules or speaking with your conveyancer.
The figures shown by these calculators are estimates and general information only. They do not take into account your objectives, financial situation or needs, and they are not financial advice, credit advice, legal advice, tax advice, a loan approval, a pre-approval, a loan offer or a lender commitment.
Results depend on the information and assumptions you enter. Lender policy, product availability, assessment rates, living-expense benchmarks, employment type, credit history, property type, valuation, fees, charges, Lenders Mortgage Insurance, government charges and eligibility rules can all affect the actual outcome.
Interest rates, government charges, concessions and lender fees are indicative inputs only and may change. You should confirm current figures with the relevant lender, government revenue office, conveyancer, accountant or other professional adviser before relying on them.
Your full financial situation and requirements need to be considered before any offer and acceptance of a loan product. Speak with Foster Ramsay Finance before making a lending decision.
No. A calculator result is only an estimate based on the figures you enter. Approval can only follow a lender assessment of a complete application.
No. These calculators run in your browser and do not involve a credit application, credit enquiry or lender submission.
Lenders use their own policies, assessment rates, living-expense benchmarks, income treatment, credit checks, property rules and product settings. FRF also works from verified information rather than estimates.
No. A comfortable budget matters. Consider the repayments, your household costs, savings buffer, family plans and what would still feel manageable if circumstances changed.
Talk through my numbersCalculator results are planning estimates; bring your assumptions so we can discuss your own circumstances.Phone, video or office appointment. You can start with questions.
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