Mortgage Comparison Calculator built for Australian mortgage brokers
Compare rate scenarios side by side — current rate, stress test and refinance — so borrowers see the real impact before they sign. Embed on your site, capture qualified leads, close faster.
This is a price indication only. Our team will be in touch to confirm the final price after assessing the job.
*This is a price indication only. Your broker will confirm the final figures after reviewing your circumstances.
Step 1 of 7 — Loan details
1Loan details
2Current rate
3Comparison scenarios
4Loan type
5Loan features
6Offset balance
7Pre-Approval Details
Loan details
Your current home loan
$AUD
years
Mortgage Comparison Calculator · powered by LeadkitPowered by Leadkit
Live calculator — try it now
Instant Notifications
Know the Moment a Lead Arrives
The second someone completes your calculator, you get a celebration notification with their full details — name, contact, project info, and estimated value.
Real-time alerts — no refreshing needed
Full customer details at a glance
One click to view the complete lead
Score and value calculated automatically
🎉
Your first lead just arrived!
Someone just requested an estimate on your website — their details have been captured and a new lead is ready in your dashboard.
Sarah Mitchell
Just now
Hot
Email sarah@example.com
Calculator Mortgage Comparison Calculator
Status New
Est. value $4,200
View Lead Details
I'll check it later
Automated Emails
Professional Emails Sent Automatically
Every calculator submission triggers branded emails — an instant estimate for your customer and a detailed lead notification for you.
Customer Estimate — Instant branded estimate sent to your customer
Lead Alert — New lead notification sent to your inbox
Updated Estimate — Revised estimate sent when you update pricing
Expiry Notice — Reminder sent when an estimate is about to expire
All prices in AUD · GST inclusive · Cancel any time, no calls or forms
Common questions
What others asks before signing up?
How much can I save by refinancing my home loan in Australia?
Refinancing savings depend on your loan amount, current rate and the rate you refinance to. On a $600,000 loan, a 0.5% rate reduction saves roughly $191 per month or over $68,000 in total interest over 30 years. This calculator compares your current loan, a stress test scenario and a refinance option so you can see the real impact. Your broker will confirm the exact figures after reviewing your circumstances.
How accurate is this mortgage comparison calculator?
This calculator uses the standard Australian amortisation formula — the same method used by Moneysmart and the big-four banks — to estimate monthly repayments, total interest and total cost. The results are an estimate. Your mortgage broker will confirm the final figures after reviewing your income, expenses, LVR and lender-specific criteria.
What is APRA's serviceability buffer and why does it matter?
APRA requires lenders to assess your ability to repay at a rate 3 percentage points above the product rate. This calculator includes a customisable stress test buffer so brokers can show borrowers how rate increases affect repayments — a key part of responsible lending conversations.
Can I add this calculator to my WordPress or Squarespace site?
Yes. Copy a single embed code and paste it into WordPress, Webflow, Squarespace, Wix or Shopify. The calculator inherits your branding and captures leads directly into your Leadkit dashboard.
What information do I get when a borrower completes the calculator?
You receive the borrower's name, email, phone, location and a message — plus every input they entered: loan amount, current rate, refinance rate, stress test buffer, offset balance and loan type. Each lead is scored so you can prioritise callbacks.
Do I need a website to use this calculator?
No. Every Leadkit calculator has its own auto-generated landing page at a unique URL. Share it in emails, social posts or SMS — no website required.
How does the offset account comparison work?
When the borrower enables the offset account option and enters a balance, the calculator shows the monthly interest saving. For example, a $50,000 offset on a $600,000 loan at 6% saves roughly $250 per month in interest — a powerful illustration for broker conversations about loan features.
Is Leadkit really free?
Yes. Free lets you add up to 3 calculators to your website and receive 10 leads per month — no credit card. Every lead beyond the cap is still captured and held for you; upgrading to Pro ($29/mo) opens them all retroactively and removes the cap.
Do I need to know how to code?
No. You get an embed code (one line of HTML). Paste it into your website builder — Wix, Squarespace, WordPress, or any custom site. That's it.
How accurate are the price estimates?
You configure the calculator formulas to match your actual pricing. Leadkit provides the framework; you set the numbers. Estimates can be as detailed or as rough as you like.
What happens with lead data?
All lead data is stored securely in your workspace. You own it. We never sell or share your leads with anyone.
Can I use Leadkit as an agency for multiple clients?
Yes — our Agency plan lets you create and manage separate workspaces for each of your clients, all from one dashboard.
What's the difference between the plans?
Free: up to 3 calculators, 10 leads/month (over-cap leads held + locked until upgrade). Pro: unlimited leads, unlimited calculators, white-label, branded email sending, analytics, email templates. Agency: everything in Pro plus multi-workspace management.
Get Started Free
Start comparing loan scenariosfor your borrowers today
Embed a branded mortgage comparison calculator on your site. Capture qualified leads with loan details, rate preferences and contact information — all on autopilot.
Understanding mortgage comparison costs in Australia
The section below is for homeowners researching mortgage comparison costs. We break down how prices are calculated, show current Australian averages, and answer the questions we hear most. Every number reflects real 2026 rates from Australian tradies — not marketing fluff.
Based on AU market ratesGST includedUpdated for 2026
For borrowers
Compare your home loan scenarios instantly
See how rate changes, refinancing and offset accounts affect your repayments. Get a free mortgage comparison estimate in under two minutes.
Compare current rate, stress test and refinance side by side
See monthly repayment, total interest and total cost per scenario
Understand how an offset account reduces your interest
Free estimate — no obligation, no sign-up required
For mortgage brokers
Turn rate comparisons into qualified leads
Embed a branded comparison calculator on your site. Borrowers compare scenarios, you capture their details — loan amount, rate preferences, offset and redraw requirements.
Your rates, your branding, your AFSL on every PDF
Lead score helps prioritise callbacks
Free for up to 5 calculators — upgrade for unlimited
Works on WordPress, Webflow, Squarespace, Wix and Shopify
How it works
How this mortgage comparison is calculated
This calculator produces an estimate using the standard Australian amortisation formula. It is not a binding quote — your broker will confirm the final figures after reviewing your circumstances.
GST handling: Mortgage repayments are not subject to GST in Australia. All figures shown are the actual repayment amounts.
1
Collect loan details
The borrower enters their loan amount, remaining term and current interest rate.
P = loan amount, n = term × 12, r = rate / 12
2
Calculate each scenario
Three amortisation calculations run in parallel: current rate, stress test (current + buffer) and refinance rate.
M = P × [r(1+r)^n] / [(1+r)^n – 1]
3
Compare results
Monthly repayment, total interest and total cost are calculated for each scenario. The difference between current and refinance gives the estimated saving.
4
Apply offset (optional)
If an offset account balance is entered, the calculator shows the monthly interest saving by reducing the effective balance charged interest.
Monthly savings from refinancing to a lower rate. Based on a 30-year P&I loan, rate reductions of 0.25%, 0.5% and 0.75% from a 6.0% base. Actual savings depend on your remaining term, loan features and lender.
Average costs by job type across Australia, 2026
Job type
Low
Average
High
Unit
$400,000 loan
$65
$127
$189
per month (0.25% / 0.5% / 0.75% rate cut)
$500,000 loan
$81
$159
$236
per month
$600,000 loan
$97
$191
$283
per month
$750,000 loan
$121
$239
$355
per month
$1,000,000 loan
$162
$319
$473
per month
Source: Calculated using Moneysmart amortisation formula with RBA-reported average rates (May 2026)
Sydney and Melbourne borrowers typically carry larger loan balances ($700K–$1.2M), magnifying both savings and stress test impacts. Regional areas often see smaller loans ($350K–$550K) with proportionally lower absolute savings.
