Guides & calculators

Our tips, guides and mortgage calculators can help you work out how to manage your home loan, pay your home off more quickly or get into your next home.

Home loan calculators

Once you have a home loan

Handy house-buying terms

  1. Loan-to-value ratio (LVR)

    LVR looks at the amount you'd like to borrow as a percentage of the property’s market value.

    There have been changes to the Reserve Bank LVR restrictions. Find out what these LVR changes might mean for you.

  2. Equity

    Take away the amount still owing on your home loan and any other debts you may have secured against it from the property’s current market value. This is your equity.

    When you buy your first home, to begin with, your equity will likely be your deposit.

  3. Deposit

    When you apply for a home loan, you’ll generally need a deposit of 20% of the value of the property you want to buy. This will go towards your home loan and can also be used to pay a sales deposit on the property you want to buy.

Start your home buying journey

Whatever stage you're at, we have home loans specialists and tools to help you through the process.

Talk to a specialist

Our home loan specialists can walk you through the process of buying a home and discuss what your options are.

Find a specialist

How to apply

Have a look at how the home loan application process will go and what you'll need before you apply.

Find out more