calculators
Savings Goal Calculator
Find out how long it will take to save for your home loan deposit or financial goal.
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Borrowing Power Calculator
Find out how much you could borrow for a home based on your financial situation.
Use CalculatorStamp Duty Calculator
Estimate stamp duty costs across every Australian state and territory.
Use CalculatorBudget Planner
Map out your income and expenses to understand your full financial position.
Use CalculatorFrequently Asked Questions (FAQs):
Borrowing power explained
How much deposit do I need for a home loan?
Most lenders require a minimum 5-10% deposit, though 20% avoids Lenders Mortgage Insurance. First home buyers may access government schemes with as little as a 5% deposit.
What is Lenders Mortgage Insurance?
LMI is insurance that protects the lender if you default on your loan. It is typically required when your deposit is less than 20% of the property value and can add thousands to your upfront costs.
Can I use the First Home Super Saver Scheme?
The FHSS scheme allows first home buyers to save for a deposit inside their superannuation fund, taking advantage of concessional tax rates. Speak with a GCW broker or financial advisor to understand eligibility.
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