Home Loan Deposit Calculator
Estimate your home loan deposit with our calculator! Factor in stamp duty, LMI, and upfront costs to confidently plan your budget. Start your journey!
View nowHome Loan Comparison Calculator
Compare Home Loans and Find the Best Option for You
Carlisle Homes’ Home Loan Comparison Calculator is designed to help you confidently move closer to your dream home. Developed to simplify your choices, this tool lets you compare key factors like interest rates, loan types, repayment schedules and upfront fees, giving you a clear view of how each home loan option impacts your monthly repayments and overall costs. Enter your loan amount and a few details to explore the loan that best aligns with your financial goals - Carlisle is here to support you every step of the way.
Enter Your Details To Compare Interest Repayments
To compare different home loan options, enter the interest rate for each loan, the desired loan term and your preferred repayment frequency (monthly, fortnightly, or weekly). Include any Lenders Mortgage Insurance (LMI) if your deposit is less than 20%. You’ll better compare your interest repayments and overall mortgage costs by entering accurate.
Award-Winning Home Builder
Carlisle Homes is thrilled to be recognised as Australia's Most Professional Major Builder for 2023 by the Housing Industry Association (HIA). The HIA's annual awards program is the highest measurement of excellence within the residential building industry. So if you’re looking for award-winning home designs, ours are among the best in Australia.
How Does the Home Loan Comparison Calculator Work?
Carlisle’s Home Loan Comparison Calculator helps you evaluate different home loan options by comparing key factors. Here’s how it works:
⦁ Enter Your Loan Details – Input information such as your loan amount, property value, and preferred loan term.
⦁ Choose Loan Features – Select options like interest-only, variable interest rate, or fixed-rate loans to tailor your comparison.
⦁ Review Upfront Costs – Include any establishment fees, offset accounts, or other related expenses to get a complete picture.
⦁ See Your Estimated Repayments – The calculator estimates your monthly repayments based on the details you provide.
⦁ Understand the Total Loan Cost – It calculates a comparison rate, giving you a better understanding of the total cost over the loan term.
With our calculator, you can easily see how various loan options affect your long-term financial outlook, helping you select the loan that best suits your needs.
Developed Alongside Finance Experts
Our Home Loan Comparison Calculator is backed by insights from Carlisle Homes’ finance experts and is designed to reflect current Australian home loan conditions. With a strong understanding of market trends, this tool offers valuable comparisons to help you confidently choose the loan option that best suits your financial needs.
2024 Master Builders Australia Large Residential Builder
2023 HIA Victoria’s Most Professional Builder
2023 HIA Australia’s Most Professional Builder
2023 Master Builders Australia Large Residential Builder
2023 Australian Achiever Awards Excellence in Customer Service
2022 HIA Victoria’s Most Professional Builder
2022 Master Builders Australia Large Residential Builder
2022 Australian Achiever Awards Excellence in Customer Service
2021 HIA Australia’s Most Professional Builder
2020 HIA Victoria Most Professional Builder
Explore More Calculators
Need support with budgeting, estimating your borrowing power, or finding the right home loan? Explore our selection of financial calculators, designed to help you every step of the way.
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Use our First Home Calculator to estimate your deposit, borrowing power, and eligibility for the First Home Owners Grant. Plan your first home purchase.
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Home Loan Repayment Calculator
Use our Home Loan Repayment Calculator to estimate your monthly mortgage repayments. Compare fixed and variable rates to plan your budget—start now!
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Household Budget Calculator
Track your income, expenses, and savings goals to create a clear budget to manage your finances effectively. Use Carlisle's household budget calculator!
View nowWe work with industry-leading finance specialists
Our in-house construction finance specialists offer you free, transparent and no obligation financial services, to save you time and money, and get you into your new home faster.
These industry-leading mortgage experts will take the time to ask the right questions to help you compare hundreds of loan options and find the most suitable loan for your individual needs.
Enquire now
Complete the form to start your home building journey today.
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Your information is collected by Carlisle Homes Pty Ltd and will be used and held in accordance with our Privacy Policy. This information is collected for the purpose of inclusion on our communications database and for the purpose of providing access to key features on our website. The purpose of this communications database is to provide members with information about Carlisle Homes and/or our related services or products. For further information on our Privacy Policy or our complaints process please read our Privacy Policy.
Success stories
Michael & Tina
From plans to renovate and extend to custom designed duplex townhomes – this busy young family soon realised that knocking down and rebuilding was their only option to build the home of their dreams.
See their story
Mitar & Tracey
With location a priority and a very clear idea of what they wanted in a new home, this clever couple made early plans to knockdown and rebuild.
See their story
Sameer & Priya
Offering so much space and brightness, this young family fell in love with the Montague Grand floorplan and could see the possibilities in creating a home exactly as they wanted.
See their story
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Frequently Asked Questions
What is a comparison rate home loan?
A home loan comparison rate represents the loan's true cost by combining the interest rate with most fees and charges associated with the loan. It provides a clearer picture of the overall cost compared to just the advertised interest rate. The comparison rate helps borrowers understand what they’ll actually pay by including costs like loan establishment fees, ongoing fees, and other charges over the loan term.
For example, a loan might have a low interest rate but high fees, making the comparison rate higher than expected. Lenders must display the comparison rate alongside the advertised rate so it’s easier for borrowers to compare loans and make informed decisions.
How accurate does the Home Loan Comparison Calculator make the comparisons?
The Home Loan Comparison Calculator provides estimates based on the details you enter, such as interest rates, loan terms, and repayment frequency. While it’s a useful guide, actual costs and mortgage repayments may vary depending on lender terms and your personal circumstances.
Can I compare both fixed and variable interest rates with this calculator?
Our calculator allows you to compare fixed-rate and variable-interest-rate home loans. This gives you a clear view of how each option affects your mortgage repayments over time.
Does the calculator consider other fees like establishment fees or lenders mortgage insurance?
Yes, our calculator allows you to include establishment fees, lenders mortgage insurance (LMI), and other upfront costs to give a more complete picture of each home loan’s overall cost.
What is the comparison rate, and how does it affect my loan choice?
The comparison rate represents the true cost of a loan, factoring in the interest rate along with other fees and charges. This helps you understand the full cost of each loan option beyond just the advertised interest rate.
Can I include an offset account in the comparison?
Yes, if your loan includes an offset account, the calculator can factor it in to help reduce the overall interest repayments on your loan.