General information only. These calculators give estimates and don't consider your personal situation. They aren't financial, credit or tax advice. Talk to a licensed mortgage broker, accountant or financial adviser before you make a decision.

Built on: Australian resident tax rates for 2026–27 (15% from $18,201) plus the Medicare levy (2%, phased in above $28,011). Banks test loans at your rate plus 3% (APRA serviceability buffer). Negative gearing changes for established homes bought after 7:30pm AEST, 12 May 2026 apply from 1 July 2027.

Johnson Lin · Prime Vantage Buyers Agency