Mortgage Calculators
These home loan calculators are confidential and are provided free to assist you in assessing your borrowing needs and repayment requirements. The information you enter into X Inc Mortgage Calculators is not recorded, so your privacy and confidentiality is assured. Click on the link to bookmark this page.
How much can I borrow?
Where can I afford to buy?
Loan Repayment Calculator
Split Loan Simulator
Extra Repayments Simulator
Lump Sum Repayment Simulator
Compare Two Loans
Comparison Rate Calculator
Leasing Calculator
Principal and Interest Calculator
Savings Plan Simulator
Compounding Interest Term Deposit
Budget Planner
Income Tax Calculator
Stamp Duty and other costs
different lenders assess your borrowing power differently
There can be a substantial difference among what different lenders will allow you to borrow. There are a number of different reasons for this, so even if you do use a home loan borrowing calculator to find out how much you can borrow, always talk to your local mortgage broker to get a more accurate understanding of what you could borrow across a range of different lenders.
Lenders take into account the maximum cost of the property you want to purchase (including purchase costs if there are to be included in the loan), the size of your deposit and the loan repayments at current interest rates. Some lenders use a higher stress rate which factors for potential interest rate rises during the course of your loan. They will typically review all your income sources and expenditure, add a margin for safety and then calculate your uncommitted monthly income. This uncommitted monthly income is the most important factor - the greater it is, the larger your borrowing capacity overall.
how much can I borrow and what are my options?
If you would like to talk to us about how much you can borrow, go to Borrowing Power or call at any time on 13 XINC (13 9462) or direct on�contact us via email and we will return your call within 2 business hours.
the best banks and lenders
For more information on the major banks and lenders who X Inc. are associated with, see our Directory of Lenders or check out which loans and lenders have won awards and are recognised by industry as the best of the best.
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