Base LVR
The base loan as a percentage of the purchase price.
Melbourne-based. Helping borrowers Australia-wide. Available 7 days.
0477 212 840 All calculators
Free mortgage tool
First Home Buyer Calculator
Assess borrowing, buying costs, potential assistance and readiness using one consistent scenario.
Discuss your results with a mortgage broker
Chris can review your figures, explain relevant lender policies and help you understand the practical next steps.
Or send a results enquiry
Leave your details and Chris will contact you personally.
Results are indicative estimates only and may not include every fee, policy rule or personal circumstance. They are not financial, credit, tax or legal advice and do not guarantee loan approval.
Calculator guide
Plan a first-home purchase from deposit to repayments
Use one consistent scenario to estimate your borrowing position, savings, purchase costs and loan structure. The result can help identify the next preparation step.
- 01Enter all applicants, income, savings, expenses and commitments.
- 02Add a realistic target property price and purchase details.
- 03Review the deposit, estimated costs, LVR and indicative loan structure together.
Total LVR
The total estimated lending, including financed costs where applicable, relative to the property value.
Minimum required amounts
Indicative deposit and cash figures for the calculator’s 95% purchase scenario.
Worked-scenario tip
A higher target price can increase the required deposit and purchase costs at the same time. Compare several prices instead of relying on a single maximum.
Assumptions and limits
What this estimate cannot decide.
- The result is an estimate, not a loan offer or approval.
- Lender policies, rates, fees and assessment methods can change.
- Use current, realistic figures and seek personalised advice before acting.
Common questions
Does this confirm grant eligibility?+
No. Government authorities determine eligibility and rules can change.
Does the result include every cost?+
No. Legal, inspection, moving and lender-specific costs may differ.
Is pre-approval guaranteed?+
No. Pre-approval is conditional and remains subject to lender and property requirements.