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Calculate your mortgage repayment now

What will the repayments be on my mortgage?

Our mortgage repayment calculator gives you an estimate of what your repayments could be, based on your home loan amount, your loan type and the interest rate you think you'll be paying.

Once you get an idea of your mortgage repayments from the calculator, together with the rest of your budget you'll start to see whether you can realistically afford the home you want to buy, you might even discover you can afford a more expensive one than you first thought. You'll start to know whether you can afford to buy an inner city studio, a 2 bed apartment that's close to everything you need, that dream home with a pool that you've had your eye on or something in between.


How much can I borrow?

Find out your borrowing power with our mortgage caluclator.

Stamp Duty Calculator

Estimate how much Stamp Duty you might have to pay when buying a property.

Things you should know

The output of this calculator, is subject to the assumptions provided and are subject to change. These calculations do not constitute an offer of credit or a quote and are only an estimate of what you may be able to borrow based on the accuracy of the information provided. It doesn't take into account any product features or any applicable fees. Our lending criteria and the basis upon which we assess what you can afford may change at any time without notice.

Remember, your borrowing power is only an indication of how much you can borrow. Westpac will normally lend up to 80% of a standard residential property's value. With Lenders Mortgage Insurance, Westpac can lend up to 95% of a standard residential property's value (90% of a vacant block of land's value).

All interest rates referred to in the calculators are current, as indicated on our interest rate pages.  The interest rates represented on these calculators are Westpac's standard interest rates and exclude any package or promotional discounts and are subject to change. When assessing ability to service a loan, Westpac may use an interest rate that is higher than the current interest rate for the loan requested.