Free Perth home loan tools
Home loan calculators for Perth.
Central Lending Solutions offers six free home loan calculators for Western Australian borrowers. Check your Keystart eligibility, repayments, borrowing power, WA stamp duty, offset savings and refinance savings in seconds. Results update as you type, no email required, and every figure is indicative until a broker confirms it.
- $1.2B+ settled
- 307+ 5.0★
- since 2015
- Osborne Park
Six calculators
Run your numbers, then talk to a broker.
Pick the calculator that fits your question. Each one gives an instant indicative answer and hands you straight to a free chat to turn an estimate into a real rate.
Keystart eligibility
Check if you qualify for a low-deposit Keystart home loan, the Western Australian government lender, with no LMI.
Check eligibility → RepaymentsRepayment calculator
See your indicative weekly, fortnightly or monthly repayments and the total interest over the life of the loan.
Calculate → Borrowing powerBorrowing power calculator
Estimate the maximum loan you could service based on your income, expenses and existing commitments.
Estimate now → WA stamp dutyWA stamp duty calculator
Work out the transfer duty on a Western Australian property, with the first home buyer concession applied.
Calculate duty → OffsetOffset account calculator
See how much interest and time an offset balance could save you across the life of your home loan.
See savings → RefinanceRefinance savings calculator
Compare your current rate to a new one, find your monthly saving and the break-even point after switching costs.
Compare now → Credit cardsCredit card debt calculator
See how long it will take to pay off a credit card and how much interest it costs at the minimum vs a fixed monthly payment.
Run the numbers → SavingsCompound interest calculator
Project the future value of a savings balance with compound interest and regular contributions.
Project growth → SavingsSavings calculator
Work out how regular savings build over time, with optional starting balance and interest rate.
Set a deposit goal → BudgetBudget planner
Map your full monthly income and expenses to see what surplus is available for loan repayments or savings.
Map the budget → TaxIncome tax calculator
Estimate annual Australian income tax based on current brackets, including the Medicare levy.
Estimate tax → TaxIncome gross-up calculator
Convert net income back to a gross annual salary equivalent for lender serviceability calculations.
Gross it up → IncomeIncome annualisation calculator
Annualise weekly, fortnightly or monthly income for serviceability and lender applications.
Annualise income → CompareComparison rate calculator
Convert a loan with fees into its true comparison rate. The honest cost-of-credit number lenders must disclose.
See the true rate → CompareLoan comparison calculator
Compare two home loans side by side, including rates, fees and terms, to see the true cost difference.
Compare loans → Pay it offExtra repayment calculator
See how an extra weekly or monthly payment reduces the loan term and total interest cost.
Shave years off → Pay it offLump sum repayment calculator
See the impact of a one-off lump sum payment against your loan: years saved and total interest reduced.
Run a lump sum → TermHow long to repay calculator
Calculate exactly how long it will take to repay a home loan or personal loan at a given repayment amount.
Find the payoff date → OffsetOffset account calculator
See how much interest you save and how many years come off your loan by using an offset account.
See offset savings → InvestmentInterest-only mortgage calculator
Compare interest-only versus principal-and-interest. See the cash-flow difference and total interest cost.
Run interest-only → StructureSplit loan calculator
Model a home loan split across fixed and variable portions. Set the ratio to see the blended repayment.
Split the loan → HoneymoonIntroductory rate calculator
Model a loan with a discounted honeymoon rate then a higher revert rate. See the real total cost.
Test honeymoon rates → RetireeReverse mortgage calculator
For Australians 60+, work out how much equity you could access through a reverse mortgage.
Access equity → BuyProperty buying costs
Estimate all the costs of buying: stamp duty, legal fees, mortgage application, inspection and more.
See total cost to buy → SellProperty selling costs
Estimate all the costs of selling: agent commission, marketing, legal fees and any early payout fees.
See net proceeds → CompareRent vs buy calculator
Compare the long-term financial position of renting vs buying in Perth across deposit, interest and equity.
Rent or buy? → Asset financeLeasing calculator
Work out lease payments, residual value and total cost for vehicle, equipment or asset leases.
Model the lease →Here to help
Turn an estimate into a real rate.
Book a free, no-obligation chat with a named Perth broker. We will confirm your numbers across more than 30 lenders.
- $1.2B+ settled
- 307+ 5.0★
- ACL 497 950
