Home Loans

Home loan calculators and tools

Our home loan calculators and tools can help you plan your next step, whether you're buying, refinancing or investing in property.

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Home loan calculators

Mortgage calculator

Find out how much you may be able to borrow and the potential costs involved in buying a home.

Calculate borrowing power

Home loan repayment calculator

See how much you may need to pay back each week or month.

Calculate repayments

Stamp duty calculator

Work out how much you could pay in stamp duty and other fees.

Calculate stamp duty

Principal and interest calculator

Estimate repayments and see what portion goes toward interest versus the amount you’ve borrowed.

Calculate principal and interest

Refinance calculator

Looking to do the switcheroo? See how much interest you could save by switching your home loan to us – you could get $4K cashback^ too.

Estimate refinance savings

Other home loan calculators

Tools to help you research

Property & suburb reports

Search a property or suburb for sales histories, estimated value, expected rent and local amenities, with our full online Property Reports.

Search address or suburb

Compare home loans

See at a glance how fees, features and loan purposes differ by product.

Compare our home loans

Compare interest rates

View and compare all of our current home loan interest rates.

Compare interest rates

Award-winning innovation

  • Awarded at RFi Group Australian Lending Awards 2021 for Best First Home Buyer Lender​


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LVR and interest rates

Why is this important to you? A lower LVR usually translates to a lower interest rate for the borrower.

Find out about LVR (loan-to-value ratio)

Why Refinance?

Finding a way to save money is just one of the many reasons you might be thinking about refinancing – perhaps you want to tap into the equity in your home or consolidate some debt.

Find out about refinancing

Important information

Credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change

Before making a decision, it’s best to read the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch.

 

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply between 8th December 2021 to 31st May 2022 and settle by 31st August 2022 for refinance applications. Offer may be varied or withdrawn at any time. Min loan amount $250k and LVR up to 80%. Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $4,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a St.George transaction account within 60 days of settlement. This account must be in the same name as the home loan account and linked to the home loan at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.