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Home loan calculators

Take the guesswork out of choosing a home loan or refinancing.
Wondering how much you can borrow?
Our home loan calculators will help you crunch the numbers, so you can move right on to the fun part, finding your perfect property.

Repayments calculator

Borrow smarter and estimate your repayments before you apply.

Borrowing power calculator

Discover how much you can borrow.

Upfront costs
Calculate how much you'll need in addition to your deposit.
Stamp duty calculator
Find out if you need to pay stamp duty.
Rent vs buy calculator
Enter your current rent to find out how much you could borrow.
Split loan calculator
Fixed or variable rate? Split your home loan and get the best of both worlds.

Comparing home loans?

Our home loan tools can help you find the one. Compare rates, loan terms, and upfront fees. Or find out if we can beat your current home loan.

Home loan comparison tool
Home loan key facts sheet

Home loan calculators explained

What’s a home loan calculator?

Our home loan calculators are designed to give you an estimate of how much you could borrow and calculate the costs associated with buying a home or an investment property. We also have some calculators to help you compare home loans and find the best one for you.

It’s likely you noticed we have a few different calculators depending on the information you are looking for. We’re all different, so feel free to use as many calculators as you like.

Home loan calculator estimates are general in nature; however, it will still give you a good idea of what you can afford when applying for a home loan and looking for a property.

For a more accurate calculation of your borrowing power based on your personal situation, we recommend applying for pre-approval.

What is borrowing power?

Your borrowing power is an estimate of how much you could borrow for a home or an investment property. It considers your income, expenses, and how much you could repay on a home loan to calculate your borrowing power.

Knowing your borrowing power is super helpful as you can narrow your search to properties that fit your lifestyle and budget.

Please keep in mind that our calculators can only give you an estimate of your borrowing power. For a more accurate and personalised amount, consider applying for pre-approval.

What is pre-approval and why should I get it?

Pre-approval is when a lender agrees in principle to provide you with a home loan. It tells you the maximum amount you can borrow so you can easily look for properties within your budget. Applying for pre-approval is free and you’re under no obligation to take out the loan.

In a competitive property market having pre-approval can help you save time when making an offer. Many sellers and real estate agents also look favourably on buyers with pre-approval as it shows you are serious about the property.

While you’ll still need to confirm your employment and a few other details to progress to full approval, the difficult paperwork is already done. Pre-approval normally lasts for up to 90 days and you can apply to renew your pre-approval if you haven’t found a property in time.

Find out more about the benefits of pre-approval.

What’s a split loan?

If you can’t decide between a fixed rate or a variable rate home loan, a split loan can give you the best of both worlds.
When you split your home loan, you have a fixed rate portion and a variable rate portion ‘split’ across the one home loan.

Splitting your home loan can give you greater control and a more personalised home loan. You’ll get repayment certainty with the fixed rate portion, while the variable portion allows you to take advantage of any interest rate drops or make extra repayments to pay your loan off early.

Use our Split loans Calculator to find out if a split loan is right for you. Or read more about the benefits of a split loan.

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Need guidance? Try our home buying guides


Great home loans
Our home loans come with:
  • Competitive rates.
  • Fee-free extra repayments.
  • Smart tools and clever features to help you own your home sooner.

Explore home loans

Offset Variable Home Loan
Discounted rates from
Comparison rate^
Find out more
Owner occupier, principal & interest. Includes discount on new and additional lending, LVR 70% or less. Minimum loan amount applies.1,2,3
Connect to a Home Loan Specialist
We are here to help.

Speak to one of our Home Loan Specialists via live online chat.

Fill out our online enquiry form and one of our Home Loan Specialists will get back to you to start the process.

Mon - Fri: 8:00am - 6:00pm (AEST)

Important Information

Rates current as at 7 March 2024 and subject to change.

Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions, and fees apply. Applications are subject to credit approval.

1 Discounts off the Offset Variable Reference Rate are available to (a) new home loans with a minimum application amount of $100,000; or (b) switching or restructuring of the home loan you already have with us when it includes new borrowing of at least $10,000; and the application is received on or after 7 March 2024. Published interest rates are inclusive of any discounts off the respective Reference Rates. Interest rates and discounts vary based on the loan purpose (owner occupier or investor), repayment type (principal and interest, interest only, construction) and Loan to Value Ratio (LVR). Maximum LVR applies and includes Lenders' Mortgage Insurance and Great Southern Bank loan setup fees where applicable.

2 Great Southern Bank may withdraw or amend this offer at any time without notice. A change in your loan purpose, your repayment type or your loan product will permanently end your entitlement to the discount.

3 LVR means ‘Loan to Value Ratio’. It is the amount of your loan divided by the valuation of your property, calculated as a percentage. For example, if you apply for a loan of $400,000, which will be secured by a property valued at $500,000, your LVR is 80%. We calculate your LVR at the time we approve your loan and your discount won’t change because of changes to the LVR during the life of your loan.

^ Comparison rate accurate for $150,000 secured loan over 25 years. WARNING: This 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.

Speak to a Home Loan Specialist
1 of 8
Speak to a Home Loan Specialist
Tell us what you're looking for and we'll be in touch
I'm buying a property
I'm building or renovating
I'm refinancing
Discuss my Great Southern Bank Home Loan
None of these
What stage are you at?
I'm ready to apply for a home loan
I'm applying for pre-approval
I want to know if I qualify
I'm researching my options

Applying for pre-approval allows you to know the maximum amount you can borrow while you look for a property.

Pre-approval means that a lender has agreed to lend you an amount of money in-principle, but the loan hasn't been proceeded to full or final approval.

While pre-approval is not a fully approved loan it can help you narrow your search, negotiate, and make an offer with certainty and confidence.

How much would you like to borrow?
If you are unsure, please enter an approximate amount.
The minimum amount you can borrow is $100,000
When would you like to borrow?
If unsure, please select an approximate timeframe.
Within 3 months
In 3+ months
Are you a Great Southern Bank customer?
Great Southern Bank was previously known as CUA.
Do you have a home loan with Great Southern Bank?
Great Southern Bank was previously known as CUA.
Would you like to tell us anything else?
For security, never include any bank account or card details in your enquiry. You can provide this information later if it's needed.
Skip this step
Tell us a little more about your plans
I'm planning to build
I'm planning to renovate
What stage are you at?
I'm ready to refinance
I want to know if I qualify
I'm researching my options
How much is your current mortgage?
Please enter a numeric value
What are your plans?
I want to increase my existing home loan
I want to switch or restructure my existing home loan
I want to discuss my existing home loan
What would you like to discuss?
Please provide a little information so we can best answer your query.
For security, never include any bank account or card details in your enquiry. You can provide this information later if it's needed.
How would you like to connect?
Request a call back
Call us on 133 282
Chat with us online
Speak to a Home Loan Specialist
First Home Guarantee
Family Home Guarantee
Regional First Home Buyer Guarantee

The Australian Government has introduced initiatives to support eligible Australians to build or purchase a new home sooner: the First Home Guarantee, Family Home Guarantee and Regional First Home Buyer Guarantee.

Thanks [Name], we'll speak to you soon
One of our Home Loan Specialists will call you on [0413 456 789] at your preferred time.
To help you get the most out of your call, we recommend having some details ready:
  • Identification details
  • Details of your income and expenses
  • Financial details, including what you own and what you owe
In the meantime, if you have any questions, we’d be happy to help.
Call us on 133 282
Mon - Fri: 8:00am - 6:00pm (AEST)
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Mon - Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)
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