Finance calculators and loan FAQs
Explore repayments, refinancing, property purchase costs and finance scenarios with LaiKin Finance's free tools. Our brokerage is based in Ringwood and assists clients across Melbourne and Australia.
Choose the tool that matches your question, review its assumptions, then speak with our team about your circumstances.
Home loan and property calculators
Loan repayment calculator
Estimate repayments and explore the effect of extra repayments and an offset balance.
Home loan refinance calculator
Compare your existing loan with a refinance scenario and consider the costs alongside possible savings.
Property purchasing power calculator
Explore an indicative property budget using your deposit, borrowing assumptions and purchase costs.
Australian stamp duty calculator
Estimate transfer duty and related purchase costs. Check current state or territory rules and eligibility.
SMSF loan calculator
Explore indicative borrowing capacity for a self-managed super fund. Obtain advice about the rules applying to your fund.
Development finance calculator
Organise project costs, equity and funding assumptions when exploring a property development.
Compare your current loan rate
Compare held rates for a matching loan type. Consider product fees, features and eligibility as well as the rate.
Research tools for finance brokers
These tools help organise research and preparation. Held information may not reflect a lender's latest requirements; confirm the source and coverage before using results on a client file.
- Search lender rates
- Search lender policy summaries
- Borrowing capacity and lender scenario matcher
- Build lender submission notes
Common finance questions
What should I prepare for a commercial property finance discussion?
Start with the property details, the amount and purpose of the loan, your ownership structure and the financial information you have available. The documents required depend on your circumstances and the lender. Explore commercial full-doc finance or contact our team to discuss your next steps.
What information helps when discussing commercial lease-doc finance?
Have the lease, rental income and commercial property details ready, together with information about the proposed borrower and existing lending. How a lender assesses that information varies. Read about commercial lease-doc loan options and confirm the requirements for your proposed loan.
What should I bring to a business loan conversation?
Explain how the funds would be used, how much you need, your trading history and your existing commitments. Your broker can then discuss the information needed for a lender review. Explore unsecured business loan options; approval and any guarantees depend on the lender and application.
What should I discuss before considering private lending?
Explain the funding purpose, timing, property security, existing debts and proposed repayment or exit plan. Ask about the full costs and terms rather than relying on a headline rate. See private lending solutions and speak with our team about the available options.
Can I use an SMSF calculator as approval for a property loan?
No. A calculator is an indicative planning tool, not lender approval or financial, tax or superannuation advice. A fund's borrowing and investment arrangements need appropriate professional advice. Read about SMSF property finance and use the SMSF loan calculator as a starting point for discussion.
What information helps with residual stock finance?
Explain which completed properties you intend to retain or sell, existing debt, settlement timing and your plan for the remaining stock. Available options depend on the properties, security and lender requirements. Explore residual stock finance and discuss the details with our team.
What should I prepare for a development finance discussion?
Bring your project feasibility, site details, approvals, construction budget, costs to complete, timing and proposed exit strategy. The development finance calculator can help organise assumptions; it does not replace professional feasibility work or a lender assessment. Learn about property development finance.
Discuss your finance options
Speak with LaiKin Finance about home loans, refinancing, business, commercial or development finance.