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Mortgage House calculators

Although the mortgage and banking industry has remained a bedrock foundation of the Australian economy for generations, the past few decades have opened up exciting online opportunities that all Australians can take advantage of. When it comes to customer service, Mortgage House is leading the way, providing a wide-range of Mortgage House Calculators and other resources that allow you to tailor the loan your way.

How do mortgage calculators help me find the right loan?

Knowledge is a powerful tool, and at Mortgage House we like to arm our customers with the right knowledge and skills. From the moment you begin investigating Mortgage House loan products, you will understand the support that mortgage calculators provide. We even provide a budget planner calculator, so you can get your finances in order, prior to investigation of suitable mortgage products.

The utility of our calculators will become apparent when you need to narrow down your options. At Mortgage House, we have dozens of mortgage products for every type of buyer, all with unique features and incentives. Mortgage House Calculators are visibly appealing, minimalist, and very easy to use, making exploration of our products and your borrowing potential an exciting and clearly understood process.

Approaching a bank or lender for a loan can be intimidating, and first home buyers can often find themselves out of their depth, unprepared and unable to satisfy the bank manager. Such concerns are a thing of the past at Mortgage House, where you can use our calculators including mortgage calculators Sydney and NSW to personalise your own loan product prior to approaching your helpful Mortgage House Lending Manager with confidence.

What are the most useful Mortgage House calculators?

At Mortgage House, our calculators and other resources work together to help customers refine borrowing choices. Our calculators provide a valuable guideline for discovering your borrowing power, repayment rates, interest rates, additional fees and a whole lot more. Take a little time to explore the versatility and simplicity of our Mortgage House Calculators that include:

Mortgage borrowing calculator: Discover your borrowing power and commence your property search with confidence.

Mortgage repayment calculator: Find out how much your repayments will be, including the amount of interest over the life of the loan.

Switching mortgage calculator: By switching mortgage products at the right time you can adjust loan terms and save money.

Budget planner calculator: Prepare yourself to approach Mortgage House for the best loan by getting your budget and finances in order.

Best rate mortgage calculator: Compare the wide range of Mortgage House loan products, all with extremely attractive rates and conditions.

Stamp Duty Calculator: Ensure your mortgage covers all required expenses, including stamp duty fees and other charges.

Can I find out my exact repayment rate?

The Australian dollar and finances, in general, are in a constant state of flux, resulting in daily market variables. Fortunately, the loan sector functions in harmony while operating under different guidelines, using fixed and variable interest rates to create a stable borrowing platform. You can easily find out the repayment rate for a Mortgage House loan using our Mortgage Repayment Calculator.

Repayment rate calculations are simple yet extremely useful, taking the loan amount, loan type, loan period and interest rate into consideration. When you input this information into the calculator, you will be provided with the repayment amount which can be further tailored to your preferred weekly, fortnightly or monthly repayment schedule. When you are ready to personalise your mortgage product even more, it’s time to make an appointment with a Mortgage House Lending Manager.

Repayment calculator

The interest rate for the loan.
% p.a.
What is the length of time to repay the loan?
How much do you want to borrow?
What is the type of the loan?

& Interest

Interest Only

Your Repayments

  • Weekly
  • Fortnightly
  • Monthly

$1,798.65 per month

Important Disclaimer: This is intended as a guide only. Details of terms and conditions, interest rates, fees and charges are available upon application. Mortgage House’s prevailing credit criteria apply. Please note that your actual fortnightly repayment would be equal to the monthly repayment amount divided by two. Weekly repayments would equal the monthly repayment amount divided by four. If you choose to pay fortnightly or weekly, your actual repayments will be higher than repayments shown on this page. You can reduce the term of your loan if you choose to make repayments fortnightly or weekly. We recommend you seek independent legal and financial advice before proceeding with any loan.

How much interest do I pay over the life of my mortgage?

Our mortgage repayment calculator provides all the information you need to get started. By toggling with the various inputs, including interest rates, you will see that your repayment amounts can change considerably. By expanding on this picture over the lifetime of a typical 30-year mortgage, it becomes clear that interest repayments make up approximately half of the total paid.

At Mortgage House, we appreciate your dedicated commitment over the term of loan repayments, so we provide more financial pathways and loan options than our competitors. This includes measures to lower your interest rates and make additional repayments, with the potential to shave many years off your mortgage without additional financial pressure. Our flexible approach and customer service are just a few reasons Mortgage House are a multi-award-winning lender transforming the Australian mortgage industry.

What our Customer's Say

“A very good example of what customer service is all about.”

I initially contacted Mortgage House for random enquiries. Paras Jones was the Lending Specialist, who patiently discussed the available lending products. She was understanding to my needs. But, at that time, the available products were not suitable for me so I didn't pursue anything.

Few months after, Paras again contacted me to touch base whether she could be any assistance to my lending needs. Paras' approach was not only a good business acumen for Mortgage House, but also an ideal customer service. I have been with Westpac, ANZ and NAB. Neither of any of those big banks took interest on my enquiries and/or needs and followed me up like Paras.

I thanked Paras for taking interest on my needs and for contacting me again. I wouldn't know that there was a better lending products than to what I was had, if Paras did not contact me again. So I took refinancing.

During the process, Paras' customer service is exceptional. She walked me through the process and consistently scheduled time to discuss the progress and updates. Paras is very patient, understanding and customer-focused.

Thank you again Paras. I hope many more people can experience and appreciate your exceptional customer service.


What are the different ways I can pay off my mortgage sooner?

By utilising Mortgage House calculators and other resources, you are far more likely to make the right borrowing decisions from the outset. A mortgage is a serious commitment over many years and starting off on the right footing is essential. With the assistance of Mortgage House professionals, you can lock-in fixed rates for stability, appreciate the freedom of variable rates, or mix and match the two for a tailored mortgage.

At Mortgage House, we offer many home loan products that provide flexibility without penalising you financially. This includes the option to make lump sum payments on your mortgage, and you may be surprised to find out the impressive savings you can achieve.

Interest makes up the greater percentage of mortgage repayments for the major part of a 30-year loan, and any lump sum payment will lower the total owing, lower the interest paid, and shorten the duration of the loan. It’s a win-win situation when you are with Mortgage House.

Are there other ways Mortgage House calculators help me save?

Your exploration of Mortgage House calculator results will disclose dozens of loan options, depending on your search input. Mortgage House offers loan solutions and products not accessed by other banks and lenders, positioning us as the lender Australians turn to when they need real solutions and genuine savings.

All Mortgage House products are streamlined, free from unnecessary fees, and targeted to satisfy customer expectations. Whether you are a first home buyer, second home buyer, renovator or investor, we have the right loan product for you. Experiment with our calculators for all types of loans, including:

  • First Home Buyer: With unbeatable deals and conditions customers understand, these loans are a genuine first home buyer alternative to the major banks.
  • Second Home Buyer: Increasing your family’s holdings is seamless and convenient with tailored second home buyer loans.
  • Investor: Turning capital into gain is expedited with Mortgage House loan pathways that take the guesswork out of investing.
  • Refinancer: Maintaining lifestyle quality during transition phases is easy with a refinance mortgage for long-term success.
  • Construction: Building a new home is exciting and challenging, and we have ways to help you remain inspired for the entire build.
  • Renovation: A Mortgage House renovation loan may be the best financial decision you make by increasing the value of your asset.
  • Relocation: Relocation can happen during the course of your loan, so take the loan product with you to your next address.
  • Self-employed: At Mortgage House, we don’t penalise industrious and independent workers; instead rewarding them with superior loan products.

Family Pledge: If family financial support is your good fortune, Mortgage House can manage loan formalities with a Family Pledge arrangement.

Are interest-only loans useful?

Mortgage House has been a major player in Australia’s lending industry since 1986, so we understand the importance of short-term and long-term mortgage strategies. It’s natural for people to experience a lot of change during the course of loan repayments and being ready to adapt is a strategy worth remembering. Fortunately, Mortgage House resources, guidance and personal assistance are always available.

Our adaptive solutions include interest-only loans that assist borrowers in negotiating tight financial times or turning a quick profit. By only paying the interest portion of a loan, funds are freed up for building, renovations, or paying off a second mortgage while waiting for your present home to sell. Interest-only loans are a temporary measure that will help you keep finances on track and achieve your goals, all without unwanted stress or financial pressure. Talk to your Mortgage House Lending Manager regarding interest-only loans and other innovative Mortgage House solutions.


How do I know the right amount to borrow by using Mortgage House calculators?

Our calculators, although incredibly accurate, only provide a good estimate of your borrowing power, repayments and other information. When you have an idea of the finances required to cover your purchase or project, all the details can be discussed with a Mortgage House representative. We will help you fine-tune your plan so that your money works for you in wealth creation.

Take time to explore our budget planner calculator that takes all your living expenses into account, allowing you to see exactly how much money you can afford to dedicate toward paying off a mortgage. The real cost of a mortgage includes government rates, household maintenance and ongoing expenses that can’t be overlooked.

Taking out a mortgage with Mortgage House is a straight-forward experience. We inspire rather than intimidate and are ready to offer all Australians the potential for accessing the best loans for every purpose. Our home loans are consistently among the most competitive in Australia, and more people are beginning to realise the very real advantages of Australia’s favourite lender, Mortgage House.

How much can I borrow calculator

Loan Details

The interest rate for the loan.
% p.a.
What is the length of time to repay the loan?
Will the loan be for yourself or joint with another applicant?



Any person who depends on you for financial support e.g. your children?

Annual Net Income

Your net income per year i.e. after tax
Your partner's net income per year i.e. after tax
Any other income you may receive each year e.g. rent from a property, interest on savings or dividends from shares

Monthly Expenses

Personal monthly expenses e.g. rent, bills, shopping, fuel etc.
Any repayments you have to make each month to cover your credit cards or other loans
Any other monthly expenses

Your Monthly Repayment

per month

You Can Borrow Up To

Important Disclaimer: This is intended as a guide only. Details of terms and conditions, interest rates, fees and charges are available upon application. Mortgage House's prevailing credit criteria apply. We recommend you seek independent legal and financial advice before proceeding with any loan. The Comparison Rate for each of the home loan products contained in this page is based on a loan of $150,000 over a 25 year term. Fees and charges may be payable.

WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. * This mortgage calculator shows indicative repayments based on 12/26/52 equal repayments for monthly/fortnightly/weekly options.