Tools & calculators
Numbers you can run yourself.
Eight calculators for repayments, refinancing, equity and the what-ifs in between. Every figure is a starting point for a conversation with David, not a substitute for one.
Choose a calculator
Repayment calculator
See the monthly repayment and total interest on a loan amount, rate and term.
Open calculatorExtra repayments
See how much time and interest an extra monthly repayment could save you.
Open calculatorRefinance savings
Compare your current repayment against a different rate on the same balance.
Open calculatorBorrowing power (indicative)
A rough, illustrative guide only. Not a quote, pre-approval or lender assessment.
Open calculatorLVR & equity
Work out your loan to value ratio and how much equity sits under the 80% mark.
Open calculatorRate rise stress test
See what the repayment becomes if your rate rose 1%, 2% or 3%. Not a forecast.
Open calculatorRefinance break-even
How many months a lower rate takes to cover your estimated switching costs.
Open calculatorOffset account
What a balance in a 100% offset could save, and what that figure assumes.
Open calculatorThe Clarity Call
Find out where you actually stand.
A 20-minute conversation with David about your loan, your equity and your options. It’s a conversation, not an application. No documents, and nothing goes on your credit file. If it turns up something worth pursuing, you’ll have a clear next step. And if the honest answer is ‘not yet’, you’ll hear that too. The straight answer is the point, either way.
Book my Clarity CallSee how we could helpNo cost · No obligation · No credit enquiry · A straight answer either way