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MortgageSMART™by Emanate Finance
MortgageSMART™ tools
Mortgage calculators
General information only — illustrative modelling, not credit assistance or an offer of finance. Actual outcomes depend on your circumstances, lender policy, rates and fees.
Six calculators that answer the questions people actually ask us.
Each one is built around the same idea: the monthly repayment is the least interesting number in a mortgage. What decides how much your loan costs you is the term it runs for, the structure it sits in, and what else you're carrying alongside it.
All free, no personal details, no credit check. Pick the one that matches your question.
Mortgage Repayment Calculator
Your repayment weekly, fortnightly or monthly, the total interest across the term, and what an extra repayment does to the finish line.
Best for: budgeting a new loan or testing extra repayments.
Open calculatorMortgage Borrowing Power Estimator
Models income after tax, household living costs, credit card limits and other debts against a buffered assessment rate.
Best for: working out a realistic price ceiling before you shop.
Open calculatorMortgage Offset Savings Calculator vs Free Redraw
Compares an offset loan against a basic loan with redraw, including the rate premium and package fees, and the balance you need to break even.
Best for: deciding whether the offset you pay for earns its keep.
Open calculatorMortgage Refinance Savings Calculator
Compares your current loan with a new rate over your remaining term, counts the switching costs, and shows the cost of resetting to 30 years.
Best for: checking whether switching is genuinely worth it.
Open calculatorHome Loan Deposit Calculator
5%, 10% and 20% side by side with LVR, estimated lenders mortgage insurance, stamp duty and the total cash you'd need.
Best for: seeing what your savings actually reach.
Open calculatorFirst Home Buyer Calculator
A guided run from purchase price to deposit, buying costs, loan size and repayments — including what happens if rates rise two per cent.
Best for: a first purchase, end to end.
Open calculatorHow to use them
Three questions, three starting points
"Can I afford this?" Start with borrowing power for your ceiling, then the repayment calculator to see what that loan feels like each payday. Test a rate two per cent higher before you commit to anything.
"Am I paying too much?" Start with the refinance savings calculator, keeping your remaining term rather than resetting to 30 years, then check whether your offset is justified.
"Am I ready to buy?" Start with the deposit calculator to see the real cash requirement, or run the whole sequence in the first home buyer calculator.
Beyond the calculators
A calculator answers one question. Your mortgage has several.
MortgageSMART™ looks at your rate, structure, remaining term, other debts and equity together — and shows what each of them is costing you.
Two minutes · no documents · does not impact your credit score
Common questions
Questions about our calculators
Are these calculators free to use?
Yes, all six are free and none of them ask for your personal details or run a credit check. They model the figures you type in and nothing is stored against your name.
How accurate are the results?
They're indicative estimates for general information, using the assumptions listed at the bottom of each page. They don't apply any individual lender's credit policy, don't verify your income and aren't an approval or an offer of finance. Your lender's figures will differ.
Which calculator should I start with?
If you already have a mortgage, start with the refinance savings or offset calculator. If you're buying, start with borrowing power to find your ceiling, then the deposit calculator for the cash you'd need. First-time buyers can do the whole sequence in the first home buyer calculator.
Is a calculator enough to make a decision on?
No calculator can see your whole position — your other debts, your remaining term, your equity, your goals and the lender policy that applies to your situation. Use these to understand the levers, then have the numbers checked against real policy before you act.
What clients say
148 Google reviews · rated 5.0
Want your numbers checked by a person?
Run your figures past us and we'll tell you plainly what's achievable with real lender policy — and whether doing nothing is the better answer.
Video, phone or email — whatever suits you.