Mortgage & property tools

Work out the repayment on a home loan, how much of it is interest, and what paying a little extra each period actually saves you.

What the standard 28/36 lending ratios allow you to buy, which of the two is actually limiting you, and what your other debts are costing in purchase price.

What an adjustable rate saves you while the starting rate holds, and what it costs if the rate climbs as far as your caps allow.

What money parked in an offset account is worth: interest saved, and how much sooner the loan finishes.

Gross and net rental yield, with vacancy and running costs taken out — the figure an agent’s "yield" usually is not.

Whether switching loans is worth it: the monthly saving, how long the costs take to come back, and what the change does to total interest.

Compares the true net cost of renting and buying over the years you actually stay, counting transaction costs, running costs and the return on a deposit left invested.

Property transfer duty by jurisdiction, with any first-home concession and the price at which relief stops.

What paying a little more each month does to your loan: the years it removes, the interest it saves, and how early the payoff date moves.

What mortgage insurance costs on a low-deposit loan, and when the balance reaches the level at which it can be cancelled.

Mortgage payments using the semi-annual compounding convention required in Canada.

Property transaction tax by jurisdiction, with first-time buyer relief and any additional property surcharge.

What an investment property costs each week after tax relief, with non-cash deductions separated from real outgoings.

What mortgage insurance costs on a low deposit, including any duty on the premium and the deposit needed to avoid it.

The government support available to a first home buyer, totalled across every applicable scheme.

Estimated property tax with the assessment ratio, exemptions and any assessment cap applied.