Mortgage Calculators
These home loan calculators are provided free to assist you in assessing your borrowing needs and repayment requirements. Whether you are looking for a home loan, investment loan or simply refinancing, these home loan calculators will help you with your decisions. The information you enter in the X Inc Mortgage Calculators is not recorded, so your privacy and confidentiality is assured.
For a more detailed assessment of your home loan information, it is advised to contact an X Inc. mortgage broker for a confidential conversation. 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 as the best of the best.
Please feel free to use any of these Mortgage Calculators as often as you like and bookmark this page if you would like to return at any time.
Loan calculators
How much can I borrow?
Find out how much you can expect to borrow for a home based on your current salary and existing financial commitments.
Where can I afford to buy?
Determine how much you can borrow based on current salary and expenses, add your deposit, then find out what postcodes offer you affordable properties.
Mortgage Repayment Calculator
Work out what your minimum weekly, fortnightly or monthly loan repayments would be for any borrowed amount.
Split Loan Simulator
Splitting your home loan into fixed and variable rate portions can provide insurance against future changes in interest rates that we can't predict. Use this tool to calculate your repayments and total interest under different fixed and variable rate scenarios.
Extra Repayments Simulator
Calculate how much you can save in interest and/or shorten your loan term by making additional repayments over and above your current monthly repayment.
Lump Sum Repayment Simulator
How much time and interest can I save by paying a lump sum off my loan?
Compare Two Loans
Select any two home loans on the market for a direct cost comparison. Determine which is the cheapest in total fees and interest over the life of the loan.
Comparison Rate Calculator
Compare an initial interest rate with ongoing interest rate.
Leasing Calculator
Find out what your monthly lease payments will be for a given loan amount, interest rate, loan term and residual.
Principal and Interest Calculator
Use this calculator to work out how much of your monthly payment is interest and how much is your principal over the term of your loan. This calculator will also show how much interest you pay.
Budgeting & Saving
Savings Plan Simulator
Set yourself a savings goal and project how much you can accumulate over time from an initial contribution and regular ongoing deposits.
Compounding Interest Term Deposit
Discover the power of compounding interest and how much you can earn from a term deposit.
Budget Planner
Calculate the amount of funds you have once your expenses are taken away from your income.
Taxation & Fees
Income Tax Calculator
Work out your income tax according to the ATOs personal income tax scales.
Stamp Duty and other costs
Use this simple Stamp Duty calculator to find out how much stamp duty and other statutory fees you'll pay on property purchases and mortgages.
The home loan market is very competitive. There are literally thousands of home loan options to choose from, so talk to a local mortgage broker before making a final decision. If you have any questions about the next steps or how mortgage brokers work, please call at any time on 13 XINC (13 9462) or contact us via email and we will return your call within 2 business hours.
