Coastal Home Lending — A Steph Above the Rest
Free tools

Home loan calculators

Quick estimates to help you understand your numbers. For a precise, personalised figure — book a free chat with me.

Repayment calculator

Estimate your monthly repayments.

$600,000
$600,000
$50,000$3,000,000
6.00% p.a.
6.00% p.a.
2.00% p.a.12.00% p.a.
30 years
30 years
5 years30 years

Monthly repayment

$3,597

Total interest$695,029
Total repaid$1,295,029

Results are estimates only. Actual repayments will vary. Get in touch for a personalised assessment.

Banks calculate this differently. Want me to give you a real-world estimate from my 30+ lenders?

Book a 15-min call

Borrowing power

Estimate how much you might be able to borrow.

$100,000
$100,000
$30,000$500,000
$2,500/mo
$2,500/mo
$1,000/mo$10,000/mo
$0/mo
$0/mo
$0/mo$5,000/mo
0
0
06
6.00%
6.00%
4.00%12.00%

Estimated borrowing power

$414,000

Results are estimates only. Calculated using a 9.00% assessment rate (3% buffer above your entered rate), which is standard industry practice. Every lender calculates differently — I can give you a precise figure.

Banks calculate this differently. Want me to give you a real-world estimate from my 30+ lenders?

Book a 15-min call

Stamp duty calculator

Estimate transfer duty across all Australian states.

$750,000
$750,000
$100,000$5,000,000
Standard stamp duty$28,162
You pay$28,162

Results are estimates only. Always confirm with your conveyancer.

Banks calculate this differently. Want me to give you a real-world estimate from my 30+ lenders?

Book a 15-min call

Refinance comparison

See whether a lower rate is worth the switching cost.

$550,000
$550,000
$50,000$3,000,000
6.50% p.a.
6.50% p.a.
2.00% p.a.12.00% p.a.
5.85% p.a.
5.85% p.a.
2.00% p.a.12.00% p.a.
25 years
25 years
1 years30 years
$1,200
$1,200
$0$5,000

Monthly saving

$220

Current repayment$3,714
New repayment$3,493
Break-even6 months
Lifetime saving (net of costs)$64,872

Estimates ignore offset effects, LMI changes, and cashback offers. I can model your actual loan against the current market.

Banks calculate this differently. Want me to give you a real-world estimate from my 30+ lenders?

Book a 15-min call

Want the full guide for each tool?

Want a precise figure?

Calculators give you a ballpark. I'll give you the real picture — including which lenders will actually approve your application and at what rate.

Book a free call

Stephanie Newman Australian Credit Representative number 388799 and Coastal Home Lending Pty Ltd Australian Corporate Credit Representative number 578712 are licenced Credit Representatives of Australian Finance Group Ltd Licence number 389087. ACN 066385822. This is general information only. Please seek personal financial advice tailored to your circumstances.

Calculator results are estimates only and are not a quote, offer, or recommendation. Actual lender criteria, rates, fees and charges apply.