Mortgage tools for buying and refinancing decisions

Choose the path that matches your decision: buying a property, setting a safer budget, or improving an existing home loan.

Buying path

Start with total buying costs, then work through borrowing power, repayments, and rate stress before you trust a property budget.

Refinance path

Start with a quick refinance estimate, validate cashflow under higher rates, then compare quote quality beyond headline savings.

Decision discipline

The right page comes first. A repayment number, a borrowing ceiling, and a stamp duty estimate answer different questions.

Choose your journey

Buying a property

Use these pages when you need to set a safer purchase range, include stamp duty, and pressure-test repayments.

First-home buyer planner Buying costs planner Borrowing power Repayment baseline Rate stress test

Refinancing a loan

Use these pages when you want to estimate savings, test downside scenarios, and compare lender paths.

Refinance calculator Rate stress test Quote comparison Offset value check

Default decision funnels for Q2

Buyer path

Deposit to repayment confidence

Refinance path

Savings to quote discipline

Buying, not refinancing?

Add stamp duty before you trust any purchase budget

If you are buying a property rather than refinancing an existing loan, check your state stamp duty first. Upfront duty and registration fees can materially change how much cash you need before settlement.

A real purchase budget is not just deposit plus repayments. It also includes stamp duty, transfer registration, and mortgage registration before settlement.

NSW stamp duty

Transfer duty and upfront costs

VIC stamp duty

Land transfer duty by buyer type

QLD stamp duty

Home concession and investor rates

SA stamp duty

Transfer duty and registration fees

WA stamp duty

General duty and settlement costs

TAS stamp duty

Duty estimate for Tasmania purchases

ACT stamp duty

Owner-occupier and investor duty

NT stamp duty

Duty plus transfer and mortgage fees

First home buyer? Check the state-specific concession and exemption pages from the main stamp duty calculator once you choose your state.

Start with the right question

Borrowing power, repayments, and refinance savings are not the same decision.

Use the buyer path if you are choosing a property budget. Use the refinance path if you are improving an existing loan.

Start with first-home buyer planning

FAQs

Should buyers and refinancers use the same path?

No. Buyers usually need borrowing power, stamp duty, and repayment checks. Refinancers usually need savings, rate stress, and quote comparison.

Does this app replace broker or lender advice?

No. It helps you test scenarios and prepare your decision before formal credit assessment.

How should I use this app end-to-end?

Buyers should usually start with the first-home buyer planner or buying costs, then move to borrowing power, repayment, and rate stress. Refinancers should start with refinance savings, then pressure-test rates and compare quotes.