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PLANNING TOOLS

Mortgage calculators
Five calculators built to help you optimise your loan structure and repayments

These calculators provide estimates based on the inputs you provide. They are intended as planning tools, not as credit advice or a loan offer. Results will vary depending on individual circumstances and lender assessment criteria. Please read the disclaimer notes within each calculator.

OUR TOOLS

Better understand your mortgage and options

Start where it makes sense for you. Many people start by understanding what they can borrow, and then look at ways to optimise the structure of their loan

STEP 1 - KNOW YOUR BORROWING POWER

Borrowing capacity calculator

Get an estimate of how much you may be able to borrow.

STEP 2 - UNDERSTAND YOUR LOAN

Loan repayment calculator

See repayments and total interest over time.

STEP 3 - REDUCE INTEREST

Offset account calculator

See how using an offset account may reduce interest costs.

STEP 4 - PAY OFF LOAN SOONER

Additional repayments calculator

See how making extra repayments can reduce your loan faster

STEP 5 - BROADER STRATEGY

Debt recycling calculator

Compare structured strategies and long-term outcomes

All calculators provide estimates only and are not a credit assessment, financial advice, or loan offer. Results are based on the inputs provided and general assumptions about Australian tax and lending parameters. Individual outcomes will vary depending on lender policy, full financial assessment, and personal circumstances. Ensure you consult a qualified tax and financial adviser before implementing any debt recycling strategy. Want A Loan accepts no liability for decisions made in reliance on calculator outputs alone.

Want to discuss what these numbers mean for your situation?

Book a 20-minute strategy call to get a clear picture of your options based on your actual circumstances - no obligation.

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We can help assess whether it may make sense to:

  • Adjust your loan term

  • Potentially reduce your interest cost over time

  • Improve the efficiency of your loan structure

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Denise Grannall & Associates Pty Ltd (trading as Want A Loan) is a Credit Representative (No. 490204) of BLSSA Pty Ltd ABN 69 117 651 760, Australian Credit Licence 391237

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