The purpose of this calculator is to assist you in estimating your loan amount, the upfront costs associated with your loan and the repayments and whether you may be able to afford the property. These estimates are based on information entered by you and information sourced from third parties, and does not take into account loan eligibility criteria or your complete financial position. Your estimated repayments, expenses, amount remaining and the other information presented here is provided as a guide only. It should not be relied upon for the purposes of entering into any legal or financial commitments. Realestate.com.au Pty Ltd makes no warranty or representation as to the accuracy or reliability of the information provided. We have made a number of assumptions when producing the calculations, which affect the results of our calculations. Our main assumptions are set out below: Interest rate and repayments We have assumed that the initial repayment amount is payable for the entire loan term, however repayment amounts will likely change for a variety of reasons, including to reflect interest rate changes and changes to your repayment type. Your annual interest charge is divided equally over 12 monthly payments (in reality, interest is calculated daily and charged monthly, which can lead to your interest charge varying between months). Interest is charged to the loan account at the same frequency and on the same day as the repayments are made (this may ultimately not be the case for your loan). Upfront cost The calculations include government fees such as land registration costs and other administrative costs, stamp duty on the transfer of land for the purchase price entered and on one real property mortgage, as well as a title transfer fee. The calculations don't include the registration costs for discharges of mortgage or for additional mortgages. Stamp duty and registration costs have been calculated using the rates from the relevant government authority websites and do not take into account all concessions you may be eligible for (such as first home buyers grants) or any surcharges or additional duties that may apply given your individual circumstances. We cannot guarantee that these rates are correct, up to date or are the ones which would apply to you. You should confirm the government costs and duties payable with the relevant government authorities. We have not been able to include all the possible set up costs that you may have to pay such as lender's fees, every government fee, conveyancing costs and moving costs, as these change based on individual circumstances. Any estimate of Lenders Mortgage Insurance can change in the future.