The All New 7-in-1 Loans Calculator for Australia

Loans Calculator for Australia is the finest mobile app available for potential buyers and brokers that assists you in managing all your financial aspects within minutes as you can instantly get all information by filling relevant details like rate of interest, total no. of years, total mortgage amount and you will automatically see the results on your screen.

Loans Calculator for Australia is an app available free of cost on Play Store and on iTunes App Store. The app offers the complete information with weekly, monthly, quarterly and yearly loan repayments.


The app features following types of Loans Calculators: 

Stamp Duty Calculator 
The app features state wise stamp duty calculator where a user needs to enter the Price and select the location, live in property and first homebuyers. Based on the inputs, result will be displayed, including the stamp duty, transfer fee and registration fee.

Stamp duty is mandatory while transferring the property and is levied in all states in Australia with each state has the responsibility for administering the duty. There is variation that exists in each state, including the variation of how the tax is calculated.


Home Loan Calculator 
With a home loan calculator, the process of applying for a home loan becomes much easier. It eliminates the confusion on certain financial hypothetical scenarios. Loans Calculator for Australia features home loan based calculator in given format shown below:

A user need to enter the loan amount, terms (years), and Rate of Interest. It will automatically feature the graphical summary representing the interest paid, principal paid and repayment amount on a monthly basis.


Personal Loan Calculator 
Personal Loans are easily accessible for any person and are available in both secured and unsecured forms.

Car/Truck Loan Calculator 
A car/Truck loan calculator gives you the immense opportunity to plan comprehensively to decide the type of loan offers available out of so many options.





Borrowing Power
The app allows users to -

• Check borrowing limits as single or joint applicant
• Include dependents and monthly expenses
• Calculate monthly repayments
• Lump Sum & Extra Payments
• Calculate repayments if rates rise 

Amortization Calculator
This calculator allows to -

• Track interest-paid-till-date
• Track principle-paid-till-date
• Schedule of repayments for the entire loan term
• Know remaining principle balance after every repayment
• Breakdown of repayment towards interest and principle balance 

Mortgage Insurance Calculator

• To calculate total premium including state-wise stamp duty
• To find total principle & interest you pay towards the loan
• Know the total interest you pay towards the loan
• View repayment schedule of your loan

Top Tips to Pay Off your Home Loan Speedily

It is worth taking a home loan, for moving into your dream home. However, paying off home loan for good 20-25 years is daunting task and paying it off as soon as possible requires planning and detailed understanding of the complete loan process. Here are some tips that can help you.

Pay it off quickly - The basic rule with loan, be it home loan or any other loan is, and pay it off as quickly as possible. The longer you take to pay off your loan, more is the amount you are going to pay. For instance- if your loan amount is $600,000 at 5.46% percent for 25 years, then your monthly repayment will be about $3,670. If you pay the loan back in 10 years rather than 25 years then your monthly payment will increase but you will be saving a lot of amount in totality as in this case your rate of interest will be low.

Consolidate your debts - If you are paying other personal debts too like credit cards, store cards, personal loans etc.) Then you must be paying between 15-25% interests on these personal debts. Instead of paying a high interest rate, you can refinance all your debts into your home loan. This means by consolidating other debts into your home loan, you need to pay only 5-6% interest. With this strategy, you can save a whopping amount while saving yourself from higher personal interest rates and unaffordable debt.

Use your offset account to your advantage - You can use your offset account to your advantage, instead of keeping all your spare cash into an interest bearing account where you will earn a little amount of interest, and in turn will be paying tax on the amount you earn, transferring the extra cash into your offset account will work in your advantage. Making use of this additional cash to offset the interest you are paying on your home loan will be the best possible option.

Split Loan - Split loans in another great option, giving the borrower immense flexibility and advantage. In split loans, you can fix part of your home loan and set the remaining balance of the loan with the variable rate of interest. In case, interest rates go down in the coming months, then you stand to gain from it, this gives borrower enough flexibility, as you know some part of your loan is safely fixed and other is variable.

Are you planning to Invest in a Property? Loans Calculator for Australia can do the Maths for You

Are you planning to invest in a property or apply for a home loan, car loan or a personal loan and finding it challenging to understand your financial calculations? Now, no longer you have to be dependent upon a financial expert rather with the help of loan calculator for Australia you can resolve all your doubts related to debt, mortgage, investments etc., any kind of financial aspects instantly.

These mobile apps provide the simplest way to assist buyers understand loan related information and help brokers too in calculating financial details within minutes. This app can be downloaded free of cost and is available on Google Play as well as Apple's iTunes. This app is product of Loans Direct, an Australian group of financial experts providing every kind of financial services from mortgage to business financing, to refinancing to every kind of loans including Personal loans, Car Loans, Home Loans etc. From loans calculator for Australia, users can get complete information about loan repayment as per their requirement on weekly, monthly, quarterly and yearly basis.

Here are main features of this app:

• The app enable users to calculate loan repayments and borrowing limits.

• App also has a feature of rate comparison to find monthly repayments.

• Allow users to find out eligible grants and concessions such as first homebuyers grant, stamp duty discount etc.)

• Contains contact details of state's revenue offices

• Enable users to know stamp duty charges in Australia, specific to Melbourne, Brisbane, Perth, Canberra, Adelaide), In addition you can also do state wise comparison of stamp duty

• App also contains a button to send emails, reports and summary.

• Users can also see graphical summary of loan to pay off sooner

• It also contains a lump sum payment calculator to save from rate of interest and other charges on loan.

After successfully downloading this application, you need to fill relevant details like Amount, Terms (in years), and rate of interest and easily fetch loan related information like applying for a loan, repayments etc. Once you fill the information accurately, you will automatically get information regarding repayment amount weekly, monthly and fortnightly basis. Loans calculator for Australia works wonder when you need any loan related information however if you need some critical information regarding financial matters than consulting an expert with good knowledge and experience is a good option.

An Australian Loan Calculator App for Android and iPhone

These days, many mobile apps give their users an ability to make financial calculations easier than ever. Whatever is the need, a home loan, personal loan or a truck finance; Loans Calculator App for Australia will help you in comparing and calculating various financial aspects with much ease.

“Loans Calculator for Australia” is a mobile app that features Personal Loan Calculator, Home Loan Calculator, Car Loan Calculator, and Stamp Duty Calculator for borrowers and brokers. Moreover, a user can even calculate weekly, monthly, quarterly and yearly repayment schedule of a loan and can send an email to share the calculated results and export the amortization table by simply pressing on the email button.

The main features that make it differ from other apps under the same category are:

• To calculate loan repayments, borrowing limits and extra payments to pay off.

• Rate comparison to find monthly repayments along with that repayment frequency for weekly, monthly and fortnightly payments.

• A lump sum payment calculator to save interest and other charges

• The app also represents through a graphical summary of a loan

• It features stamp duty specific to Sydney, Canberra, Melbourne, Adelaide, Pert and Brisbane.

• A user can also make the state wise stamp duty comparison with the help of this app.

• It has contact details of state revenue offices.

• A user can even get the information about the grant and concessions.

Loans Calculator for Australia is available free of cost on Google Play Store and iTunes. This mobile app is the venture of Loans Direct, a group of financial experts and brokers serving their clients in Australia in matters related to home loans, mortgage, commercial finance and more.