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Australia Loans Calculators

Free, localized loans planning tools updated for the 2026 financial year in Australia.

APRA's February 2026 rule caps high debt-to-income lending: banks may write at most 20% of new mortgages per quarter at 6x income or above, counted separately for owner-occupiers and investors, with new-build construction exempt. The checker here computes your exact multiple, flags whether your application lands in a lender's rationed quota bucket, and shows the largest loan that keeps you under the line, plus the serviceability arithmetic that still applies underneath.

Available calculators

Calculator

APRA DTI Cap Check Calculator

Check whether your new home loan falls within APRA's 20% high-DTI lending cap based on your income and existing debts.

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Calculator

Offset Account Error Cost Calculator

Work out how much extra home-loan interest you paid while your offset account sat unlinked, the failure ASIC's REP 837 found at 8 major banks.

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Government-Sourced DataAll calculators built from official regulatory sources by Galvin Mendonca, Software Engineer & Founder
Source links and illustrative assumptions appear on this page. Last reviewed July 2026.

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