Use realistic inputs
Enter current rates, genuine costs and conservative assumptions rather than best-case estimates.
RATE CHALLENGE CALCULATORS
Calculate repayments, compare strategies and test your next finance move.
Use Rate Challenge’s Australian mortgage, property, commercial and business finance tools to explore indicative outcomes before speaking with a broker.
Australian calculators
No credit enquiry
35+ lender panel
Start here
Choose the calculator that matches your question
Each tool is designed for a different decision. Results are indicative and should be confirmed before you rely on them.
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Live rate data
Home Loan Interest Rate Review
Compare your existing rate with current matching pricing and estimate possible savings and refinance break-even.
Check my current rate → 02 Commercial propertyCommercial Property Calculator
Model a commercial property loan, repayments, rent or business income, property-value limits and estimated purchase costs.
Model commercial property finance → 03 RepaymentsMortgage Repayment Calculator
Model weekly, fortnightly and monthly repayments, offset balances, extra payments and interest-only periods.
Calculate repayments → 04 First-home buyersFirst-Home Buyer Scheme Calculator
Check deposit pathways, postcode price caps, government schemes, grants, transfer duty and indicative repayments.
Check first-home support → 05 Deposit-basedDeposit to Property Price Calculator
Work backwards from available savings to estimate purchase prices across common deposit and loan-percentage scenarios.
Estimate a property price → 06 InvestmentProperty Investment Calculator
Estimate upfront costs, loan size, Year-1 cash flow, future equity and simplified after-tax outcomes.
Model an investment →
Featured calculator
See whether your current home-loan rate is still competitive
The Rate Review Calculator uses Rate Challenge’s current home-loan pricing feed to find matching scenarios based on occupancy, repayment type, rate type, loan amount and LVR.
- Current daily pricing feed
- Indicative repayment difference
- Refinance cost and break-even estimate
- No credit enquiry
Current market coverage
100+ lenders represented in the rates dataset
Product eligibility, fees and policy still require confirmation.
DataUpdated regularly
Credit fileNo enquiry
Property strategy
Specialist property and lending calculators
Buying and selling
Bridging Loan CalculatorPeak debt, sale proceeds, end debt and post-sale repayments→ Bridging Loans AustraliaUnderstand lender structure, sale timing and exit strategy→ Buying Your Next HomePlan equity, sale timing, costs and your next owner-occupied loan→ Tiny Home Finance CalculatorCompare equity release, personal lending, ABN/business lending and asset finance, including project costs, funding gaps and indicative repayments→Super and investment
SMSF Property CalculatorModel LRBA loan size, cash required, liquidity and cash flow→ SMSF Property FinanceReview current LRBA pathways, transitional rules and lender policy→ Property Investment CalculatorUpfront costs, rent, expenses, tax and future equity→ Investment Loan GuideRental income, serviceability, interest-only and structure→ Rentvesting CalculatorCompare rentvesting with buying a home to occupy→
Commercial and business
Tools for commercial property, equipment and business lending
Commercial property
Commercial Property Calculator
Model repayments, rent or business income, property-value limits, income buffers and estimated cash required.
Open calculator → Asset financeEquipment Finance Calculator
Compare repayments, balloons or residuals, fees and indicative GST treatment.
Open calculator → Business lendingBusiness Loan Eligibility Check
Use a high-level scorecard to identify likely pathways, blockers and preparation steps.
Start eligibility check →
Compare current products
Explore Home-Loan Pathways
Calculators show scenarios. Current rate data shows the market.
Use the live home-loan rates page to filter pricing by purpose, occupancy, repayment type, loan amount and LVR before checking whether a product may suit your circumstances.
Compare Current Home-Loan RatesExplore Home-Loan Pathways
Use calculators well
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Test assumptions, compare outcomes and confirm the real lending rules
Run more than one scenario
Test higher rates, lower rent, added costs or a different time horizon to understand sensitivity.
Confirm before acting
Ask a broker to check lender policy, fees, serviceability, security and product eligibility.
Calculator FAQs
Common questions about using finance calculators
Do these calculators affect my credit score?
No. Using the public calculators does not create a credit enquiry or affect your credit score.
Are the results a loan approval?
No. Results are indicative only. A lender still needs to assess income, expenses, debts, credit history, security, documents and policy requirements.
Which calculator should a first-home buyer use first?
Start with the First-Home Buyer Scheme Calculator for grants, schemes, price caps, duty and deposit settings. Then use the Mortgage Repayment Calculator to test ongoing repayments.
Can a broker check my calculator result?
Yes. Rate Challenge can confirm the assumptions, compare relevant lenders and explain where lender policy may change the outcome.
Callback request form
Ask a broker to check your calculator result
Tell us which tool you used and what you are trying to work out. Rate Challenge will contact you to discuss the next step.
Need the real lending answer?
Use the calculator, then confirm the assumptions with Rate Challenge.
A broker can check lender policy, serviceability, fees, product eligibility and whether the result is realistic for your circumstances.