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Calculators

Run your numbers in a minute.

Quick, simple calculators to help you see where you stand. They give an estimate only, so talk to us for advice based on your situation.

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Working out mortgage numbers

At a glance

4 calculators

borrowing, repayments, paying off faster, refinancing

Free

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Estimates

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Free tools

Choose a calculator

How much can I borrow?

A rough idea of your borrowing range, based on your income, expenses and deposit.

Repayments

What your repayments may be, weekly, fortnightly or monthly.

Pay off faster

How much time and interest extra repayments may save you.

Refinance savings

What a lower rate may save you, and how long it takes to cover any switching costs.

Your estimate

See where you stand.

These calculators give estimates only, for general information. They aren’t financial advice or an offer of finance. Lenders assess every application on its merits, and your result may differ. Talk to Mortgage Pundit for advice based on your situation.

Lenders usually test your borrowing at about the 2-year fixed rate plus 2%, so this changes with the market.

You may be able to borrow around

A purchase price of around

These figures are indicative only and are not a pre-approval. Any lending is subject to the lender’s criteria, terms and conditions, and a full assessment of your situation.

Your repayment

Total interest

Total repaid

Mortgage-free sooner by

Interest saved

You may save about

Costs covered in about

Check any break fee with your current lender. If your fixed rate is lower than today’s rates, there’s generally no break fee.

Want a number you can rely on?

A free, no-pressure chat may turn your estimate into a clear plan.

Talk to Mortgage PunditCall 0800 PUNDIT