- Financial Tools
Free Mortgage Calculators for Geelong Buyers
Run your own numbers before you talk to anyone. These tools give you a starting estimate — then book a free call with Paddy for the real, lender-specific figures.
- Calculator 1
Borrowing Capacity Calculator
Estimate how much you could borrow for a home loan based on your income, expenses, and existing debts. This gives you a useful starting point – though actual borrowing capacity depends on which lender assesses your application and their specific policies.
Self-employed? Your capacity can vary significantly between lenders – a broker comparison often reveals meaningfully more capacity than a bank calculator will show.
⚠ Important: this is an estimate only
Online calculators use generalised assumptions. Your actual borrowing capacity depends on the lender’s assessment model, your complete income picture, and current policy settings. Paddy’s personal assessment — at no cost — gives you the real number.
Borrowing Capacity Calculator
Enter your income and expenses to estimate how much you
could borrow for a home loan.
- Calculator 2
Repayment Estimator
Estimate your monthly home loan repayments based on your loan amount, interest rate, and loan term. Useful for comparing what different loan amounts or rates would mean for your monthly budget.
Try running the numbers at your current rate, then at a rate 0.5% lower – the difference often surprises people, and is exactly why a rate review can be worthwhile.
⚠ Estimate only — rates change regularly
Use this tool to compare scenarios, not as a statement of your current repayment. Your actual repayment depends on your lender, rate type, and current market conditions. Ask Paddy for current rate comparisons across 40+ lenders.
Repayment Estimator
using your membership embed code. This replaces the button above.
- Calculator 3
Stamp Duty Calculator - Victoria
Estimate stamp duty costs on a property purchase in Victoria. If you’re a first home buyer, you may be entitled to a full exemption (properties up to $600,000) or a partial concession (properties $600,001–$750,000) – saving potentially $31,000+.
Enter your purchase price and buyer type (first home buyer or investor/subsequent purchaser) to see your estimated stamp duty cost or your exemption if eligible.
⚠ First Home Buyer Exemptions
Full stamp duty exemption applies to properties valued up to $600,000 for eligible first home buyers. Partial concession applies $600,001–$750,000. Paddy confirms your eligibility as part of your pre-approval process at no cost.
Stamp Duty Calculator - Victoria
Enter purchase price and buyer type to estimate stamp duty or exemption amount.
using your membership embed code. This replaces the button above.
- Calculator 4
Comparison Rate Explainer
The comparison rate combines the interest rate with most ongoing fees, giving a more realistic picture of a loan’s true cost. A loan advertised at a lower interest rate may have a higher comparison rate than it first appears – meaning it’s more expensive overall.
Always compare both the advertised rate AND the comparison rate when evaluating loan options. Paddy shows you both figures across all lenders he recommends.
⚠ What comparison rates don’t include
Government charges, redraw fees, and some other costs are not included in the comparison rate calculation. Paddy provides a full cost breakdown – not just the headline numbers – for every loan he recommends.
Comparison Rate Calculator
using your membership embed code. This replaces the button above.
- What We Do
The Right Loan for Your Situation
Whether you’re buying your first home, growing a property portfolio, or financing your business — Paddy finds the right fit across 40+ lenders, with no cost to you.
Use them as a starting point
Calculators are designed to give you a directional estimate – not a precise figure. Use them to understand the range and to build your financial picture before your first call with Paddy.
Compare different scenarios
Try the repayment calculator with different rates and loan amounts. Try borrowing power with different income or expense assumptions. The value is in comparing scenarios, not in treating one result as definitive.
Then call Paddy for the real numbers
Calculator results are general estimates. Paddy’s assessment gives you the actual figures. And it’s free.
Calculator disclaimer: All calculators on this page provide general estimates only. Results are based on the information you enter and do not constitute financial advice. Your actual borrowing capacity, repayments, and costs will depend on lender policies, your complete financial situation, and current market conditions. Paddy Dwyer provides personalised advice — book a free call to get accurate, lender-specific figures for your situation.