Calculate home loan costs

Our calculators and tools allow you to work out the size home loan you are likely to qualify for, how much your bond repayments will be, the likely size of bond and transfer costs and the effect of increasing your monthly home loan repayments.

We also have a calculator to show how much you’ll need to save for a deposit on your property purchase, while our amortisation tool lets you see how your monthly home loan premium is split between interest and capital repayment.

What loan amount do I qualify for?
What will my monthly bond repayments be?
What if I pay in more each month?
What will the bond and transfer costs be?
What portion is paid to capital and interest on my home loan?
How much do I need to save to afford my home loan deposit?

Exactly what will your home cost you in monthly bond repayments and what will be the total overall cost of the home loan? And, if you could pay extra every month, how much faster would you repay your loan? These are important questions, which can be answered using our home loan calculators.

When you buy a property you will also need to work out other costs, like bond registration and transfer costs. You'll need to consider these in terms of your overall affordability as they can push up your total spend quite dramatically, so you need to be realistic about including them in your calculations.

Our bond status or amortisation calculator makes it possible to get a good picture of the whole life of a bond. Based on a fixed monthly repayment, you'll see what amount you'd be paying in interest every month of every year that you're bonded. And you can calculate the total you'd pay in interest over the whole period. You'll also see how much your loan reduces by every month over the full period of the bond, and how quickly the balance reduces near the end of the term of your bond.

Hello ooba news

Buying your first home can be a very exciting time!

If you’re in the property market, or just considering buying your first home, you should be thinking about these things in 2014 to save you money and to protect your investment. Make one of these resolutions now, and stick to it!


A prequalification certificate will take some of the uncertainty out of the house