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Put the current loan side by side with up to three alternatives. See monthly cost, total interest, total cost including fees, effective rate, and the break-even month against the current loan.
Effective rate is solved by bisection to equate the net cash flows (loan received less upfront fees, monthly repayments plus ongoing fees, balloon if IO) with zero NPV. Break-even uses the simple per-month cost delta against the current loan and the alternative's upfront fee.
Enter the loan and the client's EBITDA or serviceable income, plus the DSCR covenant threshold. Shows debt service and DSCR at the current rate and at +1%, +2%, +3%, and flags which move breaches the covenant first.
Mix residential, commercial, rural, or specialised securities, each with its own max-LVR tier. Outputs blended LVR, total capacity, and which security is the binding constraint.
| Security type | Value ($) | Max LVR (%) | Capacity ($) |
|---|
Default LVR tiers are indicative only. Real policy varies by bank, serviceability, property class, location, and purpose. Override per row if the deal calls for it.
Principal, rate, term with optional IO period, balloon, extra monthly repayment, and rate step-ups. Generates the full month-by-month schedule and a chart.
Stamp duty by state, transfer and mortgage registration, LMI estimate, plus typical ranges for legal, valuation, and loan establishment.
Indicative only. Stamp duty and fee schedules change at each state budget. Rates in this tool were last reviewed in April 2026. Verify against the state revenue office before relying on any figure. FHB and owner-occupier concessions are not applied automatically. Use the links below when they apply.