PurchaseWise
Australian Property Calculators and Buyer Guides
Know the Real Cost of Buying Property
PurchaseWise is a free, independent property tool hub for Australians. Use our calculators and plain-English guides to estimate mortgage repayments, deposits, loan-to-value ratios and stamp duty — and to understand the real costs of buying a home or investment property before you speak to a lender.
What PurchaseWise Does
A free, independent hub for Australians researching a home or investment property. Calculate the key numbers, learn how they work in plain English, then verify with the right professional.
Calculate
Estimate mortgage repayments, deposits, loan amounts, LVR and stamp duty with free tools built for Australian buyers and investors. No sign-up, no cost.
Learn
Read plain-English guides on LVR and LMI, how repayments are calculated, stamp duty, settlement costs and the full range of expenses involved in buying property.
Verify
Every result is an estimate only. We explain our assumptions clearly and point you to the official sources, state revenue offices and licensed professionals who can confirm the real numbers.
Our Free Calculators
Accurate, easy-to-use tools built for Australian property buyers and investors.
Mortgage Repayment Calculator
Enter your loan amount, interest rate, and loan term to calculate your weekly, fortnightly or monthly repayments. See the impact of extra repayments on your loan term and total interest.
- Principal & Interest or Interest Only
- Weekly, fortnightly & monthly options
- Extra repayment savings
- Total interest & loan summary
Property Purchase Calculator
Calculate your deposit amount, deposit percentage, estimated loan amount and Loan-to-Value Ratio (LVR). Understand what lenders mean when they talk about an 80% LVR.
- Automatic deposit amount ↔ percentage sync
- LVR indicator with visual gauge
- Loan amount estimation
- Deposit & LVR summary
Stamp Duty Calculator
Estimate property transfer duty by state or territory. Enter the purchase price, contract date and buyer circumstances for an estimate based on verified government rates.
- All 8 states and territories
- Contract date aware
- First-home buyer & concessions
- Foreign-purchaser surcharge
Guides & Reference Resources
Beyond the calculators, PurchaseWise publishes plain-English guides and reference tools so you can understand the terms, the numbers and the state-by-state rules before you commit.
All Property Guides
Browse the full library of buyer guides — deposits and LMI, how repayments are calculated, stamp duty, settlement costs, fixed vs variable loans, first-home buyer costs and investment property key costs.
Browse all guidesAustralian Property Glossary
A plain-English A–Z of the terms buyers actually meet — LVR, LMI, dutiable value, settlement, offset accounts, redraw, principal and interest, conveyancing and more.
Open the glossaryStamp Duty & First Home Buyer Costs by State
State and territory rules differ widely. This resource breaks down where to find official stamp duty, concession and first-home buyer information for every Australian jurisdiction.
View by stateBuyer Guides
Plain-English guides to help you understand the Australian property buying process.
How Much Deposit Do You Need to Buy Property in Australia?
Understand deposit percentages, LVR, Lenders Mortgage Insurance and the total upfront costs of buying property.
Read guideUnderstanding LVR and Lenders Mortgage Insurance in Australia
How LVR is calculated, why 80% LVR is commonly discussed, what LMI is and who it protects.
Read guideHow Mortgage Repayments Are Calculated in Australia
Principal and interest, interest only, repayment frequency, extra repayments and why lender figures may differ.
Read guideStamp Duty Explained in Australia
What transfer duty (stamp duty) is, who pays it, what affects the amount and how rules differ by state and territory.
Read guidePrincipal and Interest vs Interest Only Home Loans
Compare repayment structures, loan balance effects and what may happen when an interest-only period ends.
Read guideWhat Costs Are Involved When Buying Property in Australia?
Deposit, transfer duty, conveyancing, inspections, lender fees, LMI, settlement adjustments and more.
Read guideHow It Works
Three simple steps to understand the real cost of buying property in Australia.
Choose a Calculator
Select the Mortgage Repayment Calculator, Property Purchase Calculator or Stamp Duty Calculator from the menu or the buttons above.
Enter Your Details
Enter your loan amount, interest rate, property price, deposit and other details. The calculator updates instantly.
Review Your Results
See your estimated repayments, total costs and loan summary. Print or copy the results to compare scenarios and discuss them with your lender.
Why PurchaseWise Exists
Built for Australian property buyers, by people who work in Australian property.
Buying a home or investment property is one of the biggest financial decisions most Australians will ever make. Yet the numbers that decide whether a purchase is affordable — the deposit, the loan-to-value ratio, the lenders mortgage insurance trigger, the repayment amount and the stamp duty bill — are often only explained clearly after you have already made an offer or sat down with a broker.
PurchaseWise was built to move that understanding earlier. Our calculators use standard, well-established formulas and clearly state their assumptions, so you can test scenarios in your own time: a different purchase price, a larger deposit, an extra repayment, a different state or territory. Our guides explain the concepts in plain English alongside the maths, and our methodology pages show exactly how each result is produced.
We do not lend money, sell loans, take referrals for particular products, or assess borrowing capacity. The calculators are independent educational tools. Their job is to help you arrive at a conversation with your bank, broker, conveyancer or adviser already understanding the numbers — so that conversation is more useful, and your decisions are better informed.
Everything on PurchaseWise is free to use, requires no sign-up, and provides general information only — not personal financial, legal, tax or credit advice.
About the Publisher
A real Australian publisher behind the tools, not an anonymous website.
Tony Cowan
Responsible publisher
Tony has worked in the Australian property industry for many years and is the founder and licensee of The Property Masters WA, a Western Australian real estate and property services business. PurchaseWise draws on that practical, on-the-ground experience with Australian buyers, contracts and settlement processes.
Parkrise Investments Pty Ltd
ABN 12 109 927 808 · Western Australia
PurchaseWise is published by Parkrise Investments Pty Ltd trading as Purchase Wise. The company stands behind the editorial standards, methodology and contact channels on this site.
Trust & Transparency
We believe in being completely clear about what these calculators do — and don't do.
Estimates Only
All calculations are estimates. Actual loan repayments, fees and charges will vary depending on your lender and individual circumstances.
No Financial Advice
This website provides general information only. It does not constitute personal financial, legal or taxation advice. Always consult a licensed professional.
Always Verify
Confirm all information with your lender, a licensed financial adviser, or the relevant government authority before making any financial decision.
General Information Disclaimer: All calculations provided by PurchaseWise are estimates only. They are provided for general information purposes and do not constitute financial, legal or taxation advice. Actual loan repayments, fees, government charges, concessions and eligibility criteria will vary. Always confirm information with a licensed financial adviser, your lender, or the relevant government authority before making any financial decision. Read our full Financial Disclaimer.