Free Australian first home buyer tools
Can you afford your first home in Australia?
Calculate your estimated buying budget, upfront costs, mortgage repayments and first-home-buyer options in minutes.
Have your income, savings, regular expenses, debts and a target property price ready. You’ll receive a plain-English snapshot and a personalised action plan.
- No account needed
- Assumptions always shown
- Australian rules and dollars
A snapshot looks like this
Example figures only, based on sample inputs.
Start with the question you have
Every estimate on this site shows the assumptions behind it — see how our calculations work.
How much can I afford?
Enter your income, debts and dependants for an estimated borrowing range and buying budget.
Open toolHow much deposit do I need?
See your estimated deposit, loan-to-value ratio and whether lenders mortgage insurance may apply.
Open toolWhat will my mortgage cost?
Estimate weekly, fortnightly or monthly repayments — and what happens if rates rise 1% or 2%.
Open toolWhat government help might I qualify for?
Browse grants, guarantees and duty concessions that may be relevant, with links to official sources.
Open toolEstimates are for general information only and are not financial, legal or tax advice. Government rules, lender policies and costs can change.