Demonstration only. This firm does not provide credit assistance or accept live applications.
Calculators
Real numbers, not example rates
Every calculator here runs on today's live panel rates (currently from 5.65% p.a.) and the same engines Ellis uses — so what you see here is what the conversation will confirm. Whatever you enter carries straight into your application if you continue.
Repayments
Monthly and lifetime cost at today's panel-best rate.
Stamp duty
Transfer duty by state, first-home relief included.
Borrowing power
Assessed per lender with the APRA buffer — not a rule of thumb.
LMI premium
Indicative insurance cost under a 20% deposit — and how to avoid it.
Repayments
Repayments
At today's panel-best variable rate (5.65% p.a.) — adjust anything
$3,463/mo
≈ $1,246,829 over 30 years
saved to your file
Principal & interest, estimate only — not a quote or approval. Your rate depends on the lender's assessment.
Stamp duty
Stamp duty
Transfer duty by state — first-home relief included
$28,279
saved to your file
Indicative FY2025-26 general residential rates — estimate only, not a quote; excludes registration/transfer fees and surcharges.
Borrowing power
Borrowing power — your inputs
Computed properly against every lender's policy, not a rule of thumb
Inputs on file — ask for your borrowing power and the engine runs every lender.
saved
Your real number is assessed per lender with the APRA +3% buffer and household expense floors — ask and it's computed across the live panel.
Ellis runs your inputs against every lender on the live panel — the number you get is assessed, not approximated.
LMI premium
Lenders mortgage insurance
Indicative one-off premium when your deposit is under 20%
$12,150 at 90% LVR
$75,000 more deposit reaches 80% and removes it
saved to your file
Indicative LMI premium at 90% LVR (85–90% band) — estimate only, set by the insurer at application. A deposit that brings the loan to 80% removes it.
Under a 20% deposit, lenders mortgage insurance is a real one-off cost — this shows the estimate and exactly how much more deposit removes it.
A calculator estimates. Ellis verifies.
Three minutes of conversation turns these estimates into your genuine borrowing power and a ranked lender comparison — checked against every lender's actual policy.
Review the lending deskImportant information
^ Comparison rates are calculated on a $150,000 secured loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Advertised rates are drawn from lenders' published Consumer Data Right product feeds and refresh daily; a lender's actual offer depends on their assessment of your circumstances. All rates subject to change without notice.
This is a non-operational demonstration. It does not provide credit assistance or accept live applications.