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RAMS mortgage calculators can give 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.

Home loan calculators

Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give 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. Your local RAMS franchisee can also help guide you through this process. View all of our calculators below.

Use our handy home loan calculators to work out what you could afford to borrow and how much your repayments might be.

How much could I borrow calculator

Disclaimer:

This calculator estimates an amount you may be able to borrow, based on the information and interest rate you input. If you change any of the information, including the interest rate, you will obtain a different result. The result does not include any applicable fees. This is not an offer of credit, and you should not rely on it. The actual amount you can borrow can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist.

How much could my repayments be calculator

Disclaimer:

The interest rate that appears when you open the calculator is the current RAMS Essential Home Loan for principal and interest repayments for owner occupiers, as indicated on rams.com.au/all-rates, and is subject to change. When assessing ability to service a loan, we may use an interest rate that is higher than the current interest rate for the loan requested. The output of each calculator is subject to the assumptions provided under each calculator, which are also subject to change.This calculator estimates your monthly principal and interest or interest only loan repayments (but does not include monthly or annual service fees). You can adjust the variables within the calculator. For example, you can see how increasing your repayment amount could impact on the estimated interest payment and loan term. If you change any of the information, including the amount borrowed or the interest rate, you will obtain a different result. 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. You should not rely on it. The actual amount you can borrow, and the applicable loan repayments, can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose and repayment type (principal and interest or interest only). Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist.

What are the upfront and ongoing costs calculator

Disclaimer:

The results of this calculator are estimates only. They are based on the information you have provided. If you change any of the information, including the interest rate, you will obtain a different result. Other fees, charges and costs may apply. This is not an offer of credit, and you should not rely on it. The actual amount you can borrow, and the applicable loan repayments, can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist.

Comparison rate
*Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Check out how much you could save by making additional repayments, using an offset account or unlocking equity

Additional repayments calculator
Offset calculator
Unlock Equity calculator

Disclaimer:

The formulas used to provide answers in these home loan calculator tables will provide close approximations of the real-life figures. They do not take into account such items as establishment or application fees, government charges and the like. They should be regarded as indicative only. Check with RAMS Home Loans for final figures. Loan terms of up to 30 years apply to RAMS’ home loan products.

Stamp duty calculator

Don't be surprised by unexpected costs when buying a home. RAMS stamp duty calculator will show you how much in government fees and charges you can expect to pay in the state or territory you’re buying in.

For best results, fill the details of your property transaction (including your state or territory) to estimate what your total government fees would be, including stamp duty and grants if any.

Stamp Duty Calculator

Disclaimer:

The results of this calculator are estimates only. They are based on the information you have provided. If you change any of the information you will obtain a different result. Other fees, charges and costs may apply. The calculation assumes that you are not a foreign purchaser.

Construction calculator

To get you started, estimate how much your new build could cost and how much you could afford to borrow based on your lifestyle with our construction calculator.

Construction calculator

Disclaimer:

This is an estimate of an amount you may be able to borrow, based on the information and interest rate you input. If you change any of the information, including the interest rate, you will obtain a different result. The result does not include any applicable fees. This is not an offer of credit, and you should not rely on it. Any amount you may be able to borrow can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. The application process considers more information than you have input here, and so any amount you may be able to borrow may differ from this estimate. This estimates is indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this estimation you should seek professional advice and contact your local RAMS Home Loan Specialist. Credit criteria, fees, charges, terms, conditions and eligibility requirements apply. RAMS home loans are not available for foreign borrowers residing outside Australia. *Suitable for residential properties, other than strata titles.

The Cordell Sum Sure calculator takes the answers you input (or confirm, as applicable) and analyses them against construction industry data collated by CoreLogic to generate an estimated rebuild cost of the improvements on your property. Use of the Cordell Sum Sure calculator and any estimated rebuild cost provided by it may not be appropriate for you and you will need to assess the suitability of this estimate given your knowledge of your property. A number of qualifications apply to the estimated rebuild cost, which are set out in the full set of terms and conditions accepted by you prior to your use of the Cordell Sum Sure Calculator.

Check out our Refinance calculator to see how much interest you could save by switching your home loan to RAMS.

Refinance calculator

The RAMS Budget calculator helps you work out where your money is going, and what your net disposable income is after tax.

Budget calculator

Home loan key fact sheets

A Home Loan Key Facts Sheet is an easy way to help you understand and compare home loans. Please fill out all the fields marked * and click “Submit” to view your Home Loan Key Facts Sheet.
You can save and print the Home Loan Key Facts Sheet.

Speak to a home loan specialist

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