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Mortgage Calculators

ListHouze provides a suite of free mortgage calculators available on the public site and embedded on your broker profile. These tools help clients explore their borrowing options and understand repayment scenarios.

Repayment Calculator​

The repayment calculator estimates regular loan repayments based on:

  • Property price - The purchase price of the property
  • Deposit - The amount the buyer will pay upfront
  • Interest rate - The annual interest rate
  • Loan term - Between 5 and 30 years
  • Repayment frequency - Weekly, fortnightly, or monthly

What It Calculates​

  • Periodic repayment amount (based on chosen frequency)
  • Total amount payable over the life of the loan
  • Total interest paid
  • Loan-to-Value Ratio (LVR) with LMI warning if LVR exceeds 80%
  • Principal vs interest breakdown displayed as a pie chart

Country-Specific Features​

Australia:

  • State-by-state stamp duty calculations (NSW, VIC, QLD, SA, WA, TAS, NT, ACT)
  • Lenders Mortgage Insurance (LMI) estimates for high-LVR loans
  • First Home Owner Grant information

New Zealand:

  • Low Equity Premium (LEP) calculations for LVR above 80%
  • Low Equity Margin rates by LVR bracket (0.25%–1.75% p.a.)

Borrowing Power Calculator​

Helps clients understand how much they may be able to borrow based on their financial situation:

  • Income inputs - Gross annual salary, partner income, other income (rental, dividends, etc.)
  • Expense inputs - Existing debts, number of dependents, couple or single status

What It Calculates​

  • Maximum estimated loan amount
  • Maximum property price (loan + deposit)
  • Estimated monthly repayment at the max loan amount
  • Debt-to-income ratio
  • Serviceability ratio
  • Health check identifying if expenses may exceed borrowing capacity

The calculator uses an assessment buffer rate (typically 8.5%) and Household Expenditure Measure (HEM) benchmarks for realistic estimates.

Offset Account Calculator​

Shows clients how an offset account can reduce their total interest and shorten their loan term:

  • Enter the loan amount and offset account balance
  • See the interest savings over the life of the loan
  • See the reduction in loan term

Loan Comparison Tool​

Available at /mortgage/compare, this tool lets clients compare different loan scenarios side by side:

  • Scenario inputs - Property price, deposit, interest rate, and loan term for each scenario
  • Repayment frequency - Weekly, fortnightly, or monthly
  • Extra payments - Calculate interest savings and time reduction from making extra repayments

Visual Outputs​

  • Pie charts showing principal vs interest for each scenario
  • Bar charts comparing total costs across scenarios
  • Quick tips on deposits, extra payments, and offset accounts

Calculators on Your Profile​

A mortgage calculator is automatically embedded on your public broker profile page. When prospective clients visit your profile, they can:

  • Calculate repayments directly on your page
  • Explore different scenarios
  • Then contact you through the same page for personalised advice

This keeps clients engaged with your profile and encourages direct enquiries.

Important Disclaimer​

All calculator results are estimates provided for general guidance only. They do not constitute financial advice. Actual loan terms, interest rates, fees, and charges will vary depending on the lender and the applicant's circumstances. Clients should always seek professional advice before making financial decisions.

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