Mortgage Repayment Calculator
Estimate your monthly home loan repayments and see how extra payments and interest rates affect your balance. Start planning your financial future now!
View nowAt Carlisle Homes, we know that buying a home is an exciting step, and we’re here to help make it easier. Our Home Loan Deposit Calculator lets you estimate the deposit you’ll need based on your property’s purchase price and the loan-to-value ratio (LVR) set by the lender. It also factors in other upfront costs like stamp duty, lenders mortgage insurance (LMI), and conveyancing fees. Whether you're a first-time buyer or an investor, this calculator offers insights to help you confidently plan your deposit and take another step towards building the home of your dreams.
To estimate how much deposit you’ll need, input the property's purchase price, the expected interest rate on your loan, and the loan term over which you’ll repay. Don’t forget to include any upfront costs such as mortgage establishment fees, stamp duty, and lenders mortgage insurance (LMI), if applicable. Providing accurate details will give you the best estimate of your required deposit and future home loan repayments.
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The Home Loan Deposit Calculator takes key inputs such as the property's purchase price, the loan-to-value ratio (LVR), and any upfront costs like stamp duty and lenders mortgage insurance (LMI). The calculator estimates the required deposit based on these inputs, helping you plan your finances accordingly.
It assumes standard interest rates and loan terms for typical home loans but does not account for changes in interest rates or specific lender requirements. The calculator provides an estimate to help guide your decision-making but consult with a financial expert for precise figures.
Designed by Carlisle Homes' finance experts, our Home Loan Deposit Calculator ensures accuracy based on current Australian home loan conditions. It provides reliable estimates to guide potential homeowners in planning their deposit and understanding upfront costs.
Discover our calculators designed to make managing your home loan, budgeting, and investment strategies easier.
Estimate your monthly home loan repayments and see how extra payments and interest rates affect your balance. Start planning your financial future now!
View nowCalculate stamp duty, legal fees, and expenses with our Costs Of Buying A House Calculator. Plan your budget and understand all costs of your new home purchase.
View nowEstimate your living expenses with our Cost of Living Calculator, factoring in utilities and groceries to start planning your budget for the future.
View nowUse our First Home Calculator to estimate your deposit, borrowing power, and eligibility for the First Home Owners Grant. Plan your first home purchase.
View nowOur 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.
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Our finance experts are here to help you navigate the complexities of home loans and building costs. From understanding your borrowing power to comparing loan options, our team has the knowledge to guide you every step of the way.
Simon Woods brings a unique blend of financial expertise, industry insight and unwavering calm to his role as General Manager of Finance at Carlisle Homes.
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See their storyWith 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 storySameer and Priya chose the Montague Grand floorplan for its space and brightness, creating a home tailored to their family’s unique needs and dreams.
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The deposit required for a home loan typically depends on the purchase price of the property and the loan-to-value ratio (LVR). A common deposit amount is 20% of the property’s value, but some lenders may accept a lower deposit, which could require lenders mortgage insurance (LMI).
Yes, the Home Loan Deposit Calculator factors in additional upfront costs such as stamp duty, mortgage establishment fees, and lenders mortgage insurance (LMI). Including these costs provides a more accurate estimate of your total deposit and financial commitment.
Yes, the calculator works for both owner-occupied and investment properties. Simply enter the purchase price and other relevant details, and the calculator will estimate the deposit required based on your property type.
The loan-to-value ratio (LVR) is the percentage of the property’s value that you’re borrowing. A lower LVR means a higher deposit is required. Most lenders prefer an LVR of 80% or lower, but a higher LVR may require lenders mortgage insurance (LMI).
The calculator provides a reliable estimate based on your entered information, including property price, interest rate, and loan term. However, it’s essential to consult with your lender for precise figures, as actual requirements may vary depending on the lender’s criteria and market conditions.
Yes, getting a home loan without a deposit is possible, but it's not common. Some lenders offer no-deposit home loans with strict eligibility requirements. Most commonly, a guarantor loan is used, where a family member (typically a parent) provides security by using the equity in their property to guarantee your loan. This allows you to avoid a deposit and potentially avoid lenders mortgage insurance (LMI). However, a no-deposit home loan may come with higher interest rates and additional terms, so exploring all options with a financial expert is important. Read more about a gifted deposit.
The typical minimum deposit for a home loan in Australia is 20% of the property value to avoid lenders mortgage insurance (LMI). However, many lenders allow borrowers to take out a loan with as little as a 5-10% deposit, although this usually requires paying LMI. First-home buyers may also qualify for government grants or incentives, which can help reduce the deposit required. The larger the deposit, the lower your loan-to-value ratio (LVR), which can help you secure better loan terms and lower repayments.
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