Links Property Finance · Mortgage broker in Sydney: Home Loan Calculators
Free, fast and private. Pick the question you’re asking.
Which home loan calculator do you need first?
Start with borrowing power if you are not sure what you can spend, the deposit calculator if you are saving, and stamp duty or buying costs once you have a price in mind. Owners comparing loans should start with refinance savings, offset or extra repayments.
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Each gives an estimate in seconds; the real figure comes from a lender assessment.
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How much could you borrow?
How much could you borrow?
What moves the number
Choose any that apply. Each shows roughly how much it changes the figure, the way a lender’s assessment would.
is an indicative borrowing figure at today’s typical rates. Lenders typically count around 80% of rental income, which is why an investment purchase can lift your number, your real figure comes from a proper assessment.
Confirm your numbers.
Charles and the team recently assisted us with a refinance of our investment property. Recommend Charles and the team to all
Charles went above and beyond to help us secure our home loan. He worked hard to find the best option for us and kept us updated throughout the whole process. His knowledge of the lending market was impressive and he made everything straightforward.
I honestly couldn’t recommend Links Property Finance and Charles highly enough. After speaking with others who weren’t able to help me, Charles went above and beyond to understand my situation…
Your likely path to buying
- TodayCheck your borrowing position
You’re doing it right now, that’s the right first move.
- This weekReview deposit options
5% pathways, family help, FHSSS, what fits you.
- NextObtain pre‑approval
A properly assessed limit, always subject to the lender and property.
- SearchKnow your maximum offer
Inspect and negotiate with a ceiling you trust.
- Offer acceptedFinalise lending
Formal approval, scheme paperwork, settlement.
- 🏠Keys
Welcome home.
Get the free First Home Buyer Guide
Book a free 30-minute call
Bring your numbers to a 30‑minute conversation and leave with a borrowing range a lender could stand behind.
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Charles calls back within one business day. No documents needed yet.
Buying your first home
- Can I afford this property?Price in, full picture out: deposit, duty, costs, loan and repayments.
- Borrowing powerWhat a lender might let you borrow, from your income.
- Your buying positionOur signature tool: range, deposit, pathway and next move.
- Buying position (full page)The same tool with the explanation: what the range means and why lenders differ.
- 5% deposit checkerSix questions, could the government scheme fit you?
- Loan Ready ScoreSix questions, no sign-up. How ready your file is and what to fix first.
- 5% deposit checker (full page)Six questions, plus what the scheme does and the criteria that catch people out.
- Deposit calculatorSlide 5% to 20%, then test buying now against saving longer.
- Buy now or save moreTwo paths side by side: buy at today’s price, or wait and save a larger deposit.
- Cost of owningBeyond the repayment: rates, strata, insurance, water and upkeep.
- Year-to-date incomeAnnualise the YTD figure on your payslip the way a lender reads it.
- BAS incomeWhat your BAS turnover implies about assessable income, across margins.
- Refinance savingsMonthly and whole-of-term difference between your rate and one you are offered.
- Genuine savings checkerWhether the sources making up your deposit are likely to count.
- Stamp dutyWhat an eligible NSW first home buyer pays, often $0.
- LVR & LMIThe ratio lenders price off, and the premium you might avoid.
- GuarantorHow family equity can stand in for the cash deposit.
- Rent vs buyThe realistic cost of each, over years you choose, on your assumptions.
Planning your loan
- RepaymentsMonthly principal and interest at any size, rate and term.
- Extra repaymentsWhat paying a little more each month saves.
- Offset savingsWhat your savings save you, parked against the loan.
- Self-employed incomeHow lenders may read your business income, three treatments compared.
- Genuine savings checkerWhether your deposit's history is likely to satisfy lender rules.
Existing homeowners
- Refinance savingsWhat a sharper rate would save, each month and over the term.
- Home equityThe part of your home that could fund the next move.
- Rental yieldGross and net yield on an investment property.
- Bridging loanPeak debt, interest during the bridge and the end debt.
- Negative gearingThe weekly after-tax cost, before and after the 2027 change.
- Interest-only repaymentsThe repayment now, and the jump when it ends.
- NSW land taxLand tax on your investments at the 2026 rates.
- Loan health checkA free look at whether your loan has quietly drifted.
- Increase your borrowing powerWhat moves the number once the calculator has run.
- Multiple income sourcesWhy lenders assess each stream separately rather than adding them up.
Estimates only, not credit or financial advice. Calculators use general assumptions; lender policy, rates and your own position are confirmed in a full assessment.
