Every number you need before you borrow.
Eight tools, each built to answer one question properly: what you can borrow, what it costs, what the government takes and gives back, and whether the loan or the business file you already have is in shape. Nothing is stored, nothing needs your email.
Borrowing power.
How much will a lender actually let me borrow?
Runs the maths the way a serviceability engine does: net income, benchmark expenses, the APRA buffer and the card-limit rule.
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Repayments + stress test.
What does the loan cost per month, and could I survive +3%?
Monthly, fortnightly and weekly repayments, total interest, and what extra repayments save in years and dollars.
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Stamp duty QLD.
What transfer duty do I pay, and do I pay any at all?
General, owner-occupier and first-home rates, including the May 2025 rules: zero duty on new builds for first home buyers.
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LMI estimator.
What does lenders mortgage insurance cost, and how do I avoid it?
Premium ranges by deposit size, plus the four escape routes: the Guarantee, a guarantor, professional waivers, band edges.
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FHOG eligibility check.
Do I qualify for the $30,000 first home owner grant?
The real QLD rules as quick questions, with the verdict updating as you answer.
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Home loan health check.
Is my current loan still the right one?
Six areas scored out of 10: rate drift, structure, offset use, fit and the equity underneath. Flags what to fix first.
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Cost of capital calculator.
What is my blended rate across every loan I hold?
For investors borrowing across the lending tiers: the debt-weighted average rate on the whole portfolio, and what the next purchase does to it.
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Business borrowing check.
How would a commercial credit desk read my business?
Structure, numbers, profit, add-backs, the ATO position, facilities and security, scored the way lenders score them.
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The order to run them in.
Each tool answers one question, and the questions have a natural sequence. Running them out of order is how people end up in love with a price they cannot fund, or saving for a deposit that turns out to be bigger than they needed.
Buying your first home in Queensland.
Start with the $30,000 grant eligibility check, because the answer changes your savings target before anything else does. Then stamp duty, where a new build now attracts none at all, then borrowing power for the price bracket that is actually real, and finally LMI, which the First Home Guarantee may remove entirely. The whole path is set out on the first home buyer page.
Buying again, or buying an investment.
Borrowing power first, because equity and income together set the ceiling. Then repayments at the stress-tested rate, not the advertised one, then duty at investor rates, which are the highest of the lot. Investment lending and bridging are where the structure questions get answered.
You are building a portfolio and the bank has said no.
Borrowing power tells you where one lender stops, not where you stop. The cost of capital calculator blends every loan you hold into the one rate that decides whether the next purchase works, and tiered lending explains what second and third tier lenders do, in what order to use them, and how to increase your borrowing capacity before you pay a premium for it.
You already have a loan.
Two minutes on the home loan health check tells you whether a review is worth having. If it is, the repayments calculator prices what half a percentage point is worth on your balance, and refinancing explains what actually happens next. Most reviews end in a repricing call, not a switch.
You run a business.
The business borrowing health check scores your file the way a commercial credit desk would, before you put it in front of one. From there, commercial lending for the overview, premises if you are tired of paying rent, and working capital if the problem is timing rather than profit.
Why none of these ask for your email.
Most broker calculators are lead traps: the result sits behind a form, and the numbers are tuned to flatter. Ours run on your screen, show the honest figure (including the ranges where lenders genuinely differ), and leave the next step with you. The bet is simple: if the numbers are useful, you'll want the person who can move them.
Each page also publishes its numbers as a table you can read without touching the tool, generated from the same model the tool runs. That is deliberate. A calculator that only exists as a widget is a page you have to trust; a calculator that shows its reference figures is one you can check.
What these tools cannot tell you.
Worth saying plainly, because the gap between a good estimate and an approval is where most disappointment lives. None of these tools can see your credit file, your employment stability or your probation period, whether your deposit is genuine savings, how a valuer will value the property, or the policy quirks that decide which of 35+ lenders will say yes to your particular situation. They also cannot see the structure of a deal: guarantors, family pledges, professional waivers, trusts and self-managed super all change the answer entirely.
What they can do is get you to the right question quickly, with numbers that have not been tuned to flatter. Everything here is general information and none of it is credit advice or an offer of credit; figures are indicative, and government thresholds are current as at August 2026 with qld.gov.au and qro.qld.gov.au as the official sources. When you want the version that accounts for your actual file, a Brisbane broker will do it with you at no cost, and the 262 five-star Google reviews are the fairest evidence we can offer of what that is like.
Frequently asked questions.
Are these calculators accurate?
They run the standard formulas (amortisation, QRO duty rates, serviceability with the 3% APRA buffer) and are kept current, but every lender applies its own policy on top, which is why results show as estimates or ranges. Treat them as the honest starting point, and confirm exact figures with a broker or lender before acting.
Do I have to give an email address to see results?
No. Every tool runs entirely on your screen: nothing is stored, transmitted or attached to you, and there is no email wall in front of any result. If you want a broker to look at your numbers afterwards, that's your call to make.
Which tool should I start with?
Buying: borrowing power first, then repayments on the figure it gives you, then stamp duty and LMI for the cash-to-complete picture. First home: start with the FHOG eligibility check, because the grant and duty rules change what you need to save. Already have a loan: the home loan health check tells you in two minutes whether a review is worth it.
Why do your results sometimes differ from a bank's calculator?
Bank calculators use that bank's own policy and often flatter the result to start a conversation. These tools use benchmark settings and show ranges where lenders genuinely differ: the borrowing power spread between lenders on identical inputs is routinely six figures, which is the point of using a broker.
Do the calculators cost anything, and is there a catch?
No cost and no email wall, and the catch is stated openly: we build them because people who find their numbers useful sometimes call us, and when they do the lender pays us rather than the client on most home lending. Nothing is gated, nothing is stored, and no result changes if you never make contact.
Do these calculators work outside Queensland?
Six of the eight do. Borrowing power, repayments, LMI, the cost of capital calculator and both health checks are national, because serviceability, amortisation and LMI pricing do not change at a state border. The stamp duty calculator is Queensland only, since every state writes its own duty rates and concessions, and the FHOG checker applies the Queensland grant rules. If you are buying interstate, use the national tools and check the duty and grant with that state's revenue office.
How current are the figures behind them?
The duty rates, concession tables and grant rules were checked against the Queensland Revenue Office in August 2026, and the tables on each page are generated from the same model the tool runs, so a page can never disagree with its own calculator. Government thresholds move, sometimes at short notice: qld.gov.au and qro.qld.gov.au are the official sources and they win over anything here.
Your broker for life.
No email wall on the numbers, and none on the conversation.
Run your figures, then tell us what you're planning. A broker will tell you which lenders read your situation best, at no cost.
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