Disclaimer

General information only

The website and calculator provide general information and numerical estimates only. They do not take into account your personal objectives, financial situation, or needs and must not be treated as personal financial advice, credit advice, tax advice, legal advice, or a recommendation to apply for a particular home loan.

Calculator estimates

Results depend entirely on the information and assumptions entered. Estimates may differ from lender calculations because lenders can use daily interest calculations, different compounding methods, payment dates, rounding, fee timing, offset rules, product conditions, and repayment allocation methods.

Unless expressly stated, estimates do not account for inflation or changes in the cost of living. Future interest rates, fees, property values, income, and lending policies are uncertain.

Not a loan offer or approval

The calculator does not assess serviceability, borrowing capacity, credit history, security, valuation, loan-to-value ratio, responsible lending requirements, or lender eligibility rules. A result is not a quote, pre-approval, approval, Key Facts Sheet, contract, or guarantee that credit will be available.

Verify rates, fees, and product terms

Interest rates, comparison rates, fees, loan features, government charges, incentives, and eligibility criteria can change. Obtain current written information from the relevant lender or provider and review all applicable terms before making a decision.

Consider professional guidance

Before making a financial decision, consider whether you need guidance from an appropriately licensed mortgage broker, credit representative, financial adviser, accountant, lawyer, or other qualified professional. The rules for using this website are set out in our Terms and Conditions.

Accuracy and availability

We aim to keep the calculator useful and accurate, but do not guarantee that the website will be uninterrupted, error-free, complete, current, or suitable for every purpose. You are responsible for checking inputs and independently verifying any result you intend to rely on.

Limitation of liability

To the maximum extent permitted by law, we are not liable for loss arising from use of, or reliance on, the website or calculator. Nothing in this disclaimer excludes, restricts, or modifies any consumer guarantee, right, or remedy that cannot lawfully be excluded under the Australian Consumer Law or other applicable law.

External services and links

Links to lenders, government resources, or other third parties are provided for convenience. We do not control third-party content, availability, security, or privacy practices and do not endorse a product merely by linking to it. See the Privacy Policy for information about service providers used by the website.