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Tools to help you run your numbers.

Free to use financial and legal calculators that give you a clear view of your situation before consulting an expert.
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Simple financial and legal tools and calculators to guide you.

Stanford group provides 15 free property, lending and legal tools and calculators for all Australians, covering transfer duty (stamp duty), lenders mortgage insurance, borrowing power, loan repayments, loan to value ratio, offset accounts, extra repayments, refinance savings, rental yield, negative gearing and the First Home Guarantee. All calculators are free to use without registration. Results are estimates for guidance and are not a formal assessment or an offer of credit.

Financial calculators

Borrowing power

Find out how much you could borrow before you start house hunting, so you know your price range from the very first inspection.
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Mortgage calculator

Work out your estimated home loan repayments and see how a change in rate could affect your budget.
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Deposit calculator

Work out how much deposit you will need for the home you have in mind, and how close you are to reaching it.
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DHOAS calculator

Work out your Defence Home Ownership Assistance Scheme subsidy and see how it could reduce your home loan repayments.
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5% deposit calculator

Find out if you could buy sooner with just a 5% deposit under the First Home Guarantee.
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Mortgage vs rent calculator

Compare what you are paying in rent against what a mortgage could cost, and see when buying might make sense for you.
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Repayments calculator

Calculate your estimated loan repayments across weekly, fortnightly or monthly cycles, based on the amount, rate and term you enter.
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LMI calculator

Find out what Lenders Mortgage Insurance could add to your loan if your deposit is below 20% of the property price.
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LVR calculator

Work out your loan to value ratio, the figure lenders use to assess risk and set your loan terms.
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Refinance calculator

Find out if switching lenders could save you money over the life of your loan, once fees and rate changes are factored in.
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Extra repayments calculator

Work out how much time and interest you could save by putting a little extra into your repayments each month.
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Stamp duty calculator

Find out how much you may need to pay in Queensland stamp duty, and whether a first home concession applies to you.
Calculate

Legal tools

Conveyance calculator

Get an estimate of the legal and settlement costs involved in buying or selling a Queensland property, from contract to keys.
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Property settlement calculator

Get a general sense of how assets and superannuation are often approached after a separation, before you speak with a lawyer.
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Child suport estimator

Get an estimate of child support based on care arrangements and income, before a formal assessment is made.
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QUESTIONS

Frequently asked questions

Can't find an answer to your question?
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How much is stamp duty in Queensland?
Transfer duty depends on the purchase price, the property type and your circumstances. Concessions apply for first home buyers and owner-occupiers, and from 1 August 2026 a residency test applies to these home concessions. Use the Queensland Stamp Duty calculator for an estimate based on your own numbers.
What is LMI and do I have to pay it?
Lenders Mortgage Insurance (LMI) protects the lender, not you, if you can't make your repayments and your deposit is smaller than usual, generally under 20% of the property value. Whether it applies depends on your deposit, the lender and the loan type. Our LMI calculator gives you an estimate, a broker can confirm whether it applies to you.
Are these calculators free?
Yes. Every calculator on this page is free to use, with no obligation and no need to hand over your contact details first.
How accurate is a borrowing power calculator?
A borrowing power calculator gives you an estimate based on the figures you enter, such as income, expenses and existing debts. It's a starting point, not a loan approval. Your actual borrowing capacity depends on a full assessment by a lender. For a precise figure, speak with one of our brokers.

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