🇦🇺 Australian Property Calculators 2026
Free mortgage and property investment calculators for Australian buyers and investors. LVR, LMI, borrowing power, stamp duty by state and investment analysis — all in AUD. No sign-up required.
Australia Property Tools
Borrowing Power (Australia)
Australian income multiples (4–6x), LVR calculation and LMI threshold at 80% LVR. APRA stress test included.
Check Borrowing Power →Mortgage Repayment (Australia)
Monthly P&I payments in AUD, total interest and full amortisation schedule for Australian home loans.
Calculate Payments →Rental Yield
Gross and net rental yield calculation for Australian investment properties. Sydney, Melbourne, Brisbane benchmarks.
Calculate Yield →Cap Rate Calculator
NOI and cap rate analysis for Australian investment property. Compare against Sydney, Melbourne and Brisbane benchmarks.
Analyse Investment →| Product | Rate (approx.) |
|---|---|
| Variable (owner-occ) | 5.75–6.50% |
| 3-year fixed | 5.50–6.25% |
| 5-year fixed | 5.75–6.50% |
| Investment loan | 6.25–7.00% |
RBA cash rate: 3.85% (2026). Compare lenders via a mortgage broker.
Lenders Mortgage Insurance (LMI) is required when your LVR exceeds 80%.
- LVR ≤ 80%: No LMI required
- LVR 81–90%: LMI ~1–2% of loan
- LVR 91–95%: LMI ~2–4% of loan
- Max LVR: 95% (most lenders)
LMI protects the lender, not you — it's a significant cost to factor in.
| State | On $600k home |
|---|---|
| NSW | ~A$22,490 |
| VIC | ~A$31,070 |
| QLD | ~A$12,850 |
| WA | ~A$19,665 |
| SA | ~A$26,830 |
State-by-state tool coming soon.
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