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Estimate Your
Dream Home Budget
Estimate repayments, stamp duty, LMI, and total borrowing costs tailored to every Australian state and territory.
Australian Mortgage Calculator
Mortgage calculator: Calculate your repayments
Live calculations for repayments, stamp duty, LMI, and total borrowing costs across all Australian states and territories.
Property Details
Purchase price, deposit, and stamp duty settings.
$850,000
$170,000
Estimate transfer duty for your state
Loan Details
6.29%
Buyer Status & Additional Costs
Repayment Summary
Updated instantly as you adjust inputs.
Monthly repayment
$4,204.58
Loan amount
$680,000
LVR
80.0%
Deposit
20.0%
Stamp duty (est.)
$31,275
LMI (est.)
$0
Total interest
$833,650
Total amount repaid$1,513,650
Total borrowing costs$31,275
Total cost incl. fees$1,763,925
Loan vs Deposit
Loan
$680,000
80% of total
Deposit
$170,000
20% of total
Principal vs Interest
Principal
$680,000
45% of total
Interest
$833,650
55% of total
Balance Over Time
Repayment schedule
Full amortisation table with 360 payments from 8 Aug 2026 to 8 Jul 2056.
Per payment
$4,204.58
Total principal
$680,000.00
Total interest
$833,650.01
Final balance
$0.00
| # | Date | Repayment | Balance |
|---|---|---|---|
| 1 | 8 Aug 2026 | $4,204.58 | $679,359.75 |
| 2 | 8 Sep 2026 | $4,204.58 | $678,716.14 |
| 3 | 8 Oct 2026 | $4,204.58 | $678,069.16 |
| 4 | 8 Nov 2026 | $4,204.58 | $677,418.79 |
| 5 | 8 Dec 2026 | $4,204.58 | $676,765.01 |
| 6 | 8 Jan 2027 | $4,204.58 | $676,107.81 |
| 7 | 8 Feb 2027 | $4,204.58 | $675,447.16 |
| 8 | 8 Mar 2027 | $4,204.58 | $674,783.04 |
| 9 | 8 Apr 2027 | $4,204.58 | $674,115.45 |
| 10 | 8 May 2027 | $4,204.58 | $673,444.35 |
| 11 | 8 Jun 2027 | $4,204.58 | $672,769.74 |
| 12 | 8 Jul 2027 | $4,204.58 | $672,091.59 |
Showing 1–12 of 360
Important disclaimer
All figures are estimates only. Stamp duty, first home buyer concessions, government grants, LMI premiums, and interest rates change over time and vary by lender, property type, and eligibility. Confirm current rates and thresholds with your state revenue office, relevant government agencies, and your lender before making financial decisions. This calculator does not constitute financial advice.