RyRo Loan Centre

Free home loan calculators

Free Loan Calculators

Borrowing power, repayments, NSW stamp duty, offset savings, income and selling costs. Instant estimates, no sign-up, then a free broker check when you want a figure a lender will stand behind.

Sumit Joshi, principal broker at RyRo Loan Centre

Get your numbers checked

A broker checks your figures against lender policy.

Free, no obligation. We generally respond within an hour.

Google5.0360+ Google reviews
  • 11 free calculators, instant results
  • Your results checked against real lender policy, free
  • Google5.0 from 360+ Google reviews
  • 2,500+ clients helped
  • Credit Rep 446824
  • Commonwealth Bank Elite Broker FY23-24 badge
  • Westpac Gold Broker badge
  • ANZ Premium Broker badge
  • NAB Premium Broker badge
  • AFG Broker Assurance Recognition 2024 badge
  • AFG Excellence Awards finalist 2025 badge
  • MFAA 10 year member badge

Updated November 2026

Google5.0From 360+ Google reviews Read them
Clients helped
2,500+
Broker fees on home loans
$0
Loan review, no credit check
Free

Some of the banks and lenders we compare for you

  • Commonwealth Bank
  • Westpac
  • NAB
  • ANZ
  • St.George
  • Bank of Melbourne
  • Suncorp Bank
  • BOQ
  • Great Southern Bank
  • Beyond Bank
  • People First Bank (formerly Heritage Bank)
  • Teachers Mutual Bank
  • Hume Bank
  • IMB
  • Newcastle Permanent
  • QBANK
  • UniBank
  • Bank Australia
  • BankSA
  • Credit Union SA
  • Macquarie
  • ING

Free tools, instant results

Choose Your Calculator

Select the calculator that best fits your needs. All our tools are free to use and provide instant results. After using our calculators, explore our Home Loans overview, First Home Buyers overview, Personal Finance overview or Business Finance overview to see where these numbers fit in your broader finance strategy.

  • Google5.0 from 360+ Google reviews
  • 2,500+ clients helped
  • Credit Rep 446824

Photos: Jakub Żerdzicki, Brian Babb, Andre Taissin, Kelly Sikkema, Towfiqu barbhuiya / Unsplash

Car and business finance calculators

For cars, utes, trucks and equipment, with Rohan Joshi at RyRo Asset Finance.

RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.

Not sure where to start?

Which calculator do I need?

Pick your goal. We list the calculators in the order that makes sense, and what each one tells you.

First home buyer? Start with borrowing power and NSW stamp duty.

Weatherboard cottage behind a white picket fence
Photo: Paddy Pohlod / Unsplash

Buying your first home

Start with what you can borrow, then add the costs that come on top of the price.

  1. Borrowing Power Calculator: Sets your price range before you inspect.
  2. Stamp Duty Calculator: Shows whether the NSW first home buyer exemption or concession cuts your duty.
  3. LMI estimator: Checks your LVR and whether LMI applies on your deposit.
  4. Loan Repayment Calculator: Turns the loan into a monthly figure you can budget for.
Map out my first home numbersFirst home buyer schemes and grants

From estimate to approval

Your calculator result is a starting point

A calculator does the maths on what you give it. A lender does a lot more before it says yes, and every lender does it differently.

What a calculator sees

  • The income, expenses and debts you type in
  • One interest rate and one set of assumptions
  • The maths, done the same way every time

What a lender also checks

  • How much of your overtime, bonus, rental or business income it will count
  • Its own living expense benchmark and rate buffer
  • Your credit file, deposit source, LVR and whether LMI or a scheme applies
  • Its policy on the property itself: type, size and location

That is why two banks can give you two different answers on the same income. We compare the lenders we work with so you apply once, to a lender whose policy fits you. Based in Norwest, we help buyers across the Hills District and the rest of Sydney with all our loan services.

Sumit Joshi seated at his desk in the RyRo Loan Centre office

Sumit Joshi

Principal broker, RyRo Loan Centre. Credit Rep 446824

How a broker turns your estimate into a real figure

  1. 1. Send us your numbersUse the form with the figures from any calculator, or just tell us your goal.
  2. 2. We test them against lender policyWe check how different lenders on our panel would read your income, expenses and deposit.
  3. 3. You get a figure you can act onA realistic borrowing range, the lenders that suit you, and the next step to pre-approval.
Get my numbers checked

Free for home loans: the lender pays us. We generally respond within an hour. Prefer to write? Contact us.

Sumit · 1:35
What banks look at before they lendSumit Joshi, RyRo Loan Centre

Reviews

What clients say once the numbers are real

From first home buyers to refinancers and investors. Every review is word for word from Google.

Google

5.0

From 360+ Google reviews

Sumit · 1:18
Cheaper rate or the right strategy?Sumit Joshi, RyRo Loan Centre
Read all 360+ Google reviews

  • chris sukumar

    5 months ago on Google

    Google

    Sumit at Ryroloan Centre made our first home possible Five stars for Sumit Joshi at Ryroloan Centre. As first home buyers we had no idea where to start. Sumit was easy to contact from day one. He picked up calls, replied to texts fast, and explained everything in simple terms. He secured us a really good rate that beat what our bank offered. The whole pre-approval and settlement process was smooth because he stayed on top of every document and deadline. I want to thank Dean and whole team thank you all. Couldn’t recommend Sumit more highly if you’re a first home buyer.

    chris sukumar

    Google5 months ago on Google

    Sumit at Ryroloan Centre made our first home possible Five stars for Sumit Joshi at Ryroloan Centre. As first home buyers we had no idea where to start. Sumit was easy to contact from day one. He picked up calls, replied to texts fast, and explained everything in simple terms. He secured us a really good rate that beat what our bank offered. The whole pre-approval and settlement process was smooth because he stayed on top of every document and deadline. I want to thank Dean and whole team thank you all. Couldn’t recommend Sumit more highly if you’re a first home buyer.

  • O D

    2 weeks ago on Google

    Google

    My wife and I are very happy and very greatful for all the help Sumit from RYRO LOAN CENTRE has helped us once again. We are so blessed to have had the opportunity to meet such a kind, hard working and wonderful person who will go above and beyond to get our home loan refinancing approved. So thank you very much summit. We will definitely be going back to RYRO team when we buy our next property. We will also recommend RYRO Loan Centre, especially Sumit to our family & friends! They are simply the BEST!! 😊

    O D

    Google2 weeks ago on Google

    My wife and I are very happy and very greatful for all the help Sumit from RYRO LOAN CENTRE has helped us once again. We are so blessed to have had the opportunity to meet such a kind, hard working and wonderful person who will go above and beyond to get our home loan refinancing approved. So thank you very much summit. We will definitely be going back to RYRO team when we buy our next property. We will also recommend RYRO Loan Centre, especially Sumit to our family & friends! They are simply the BEST!! 😊

  • Jagdeep Gill

    a year ago on Google

    Google

    We had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment loan process. It was very challenging process to get loan through SMSF but team made the whole process easy. RyRo Loan Centre is truly one of the best in the business and I cannot recommend them enough. Thanks Team

    Jagdeep Gill

    Googlea year ago on Google

    We had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment loan process. It was very challenging process to get loan through SMSF but team made the whole process easy. RyRo Loan Centre is truly one of the best in the business and I cannot recommend them enough. Thanks Team

  • Jahid Aslami

    a month ago on Google

    Google

    Huge thanks to Sumit at Ryro! He made securing my mortgage completely stress-free with his expert advice, quick turnarounds, and clear guidance throughout. Exceptional service from a team that truly cares about their clients. Highly recommended!

  • Eleven free calculators, all our own. Nine home loan tools: borrowing power, loan repayment, NSW stamp duty, LMI (your LVR, whether lenders mortgage insurance applies and an indicative premium), the First Home Super Saver (FHSS) estimator, property selling costs, home loan offset, income annualisation (YTD) and income gross-up. Plus two from RyRo Asset Finance for cars, trucks and equipment: a car loan calculator with a balloon option and a chattel mortgage calculator. All of them give instant results, and you can send your result to a broker in one click.

  • They do the maths correctly on the figures you enter, so they are a reliable starting point. They are still estimates. Each lender uses its own living expense benchmarks, interest rate buffer and rules for counting overtime, bonus, rental and self-employed income, so two lenders can give you very different answers. A broker check turns the estimate into a figure you can rely on.

  • Start with the borrowing power calculator to set your price range. Then use the stamp duty calculator to see whether the NSW first home buyer exemption or concession applies, and the LMI estimator to check your LVR and whether LMI applies to your deposit. Finish with the loan repayment calculator so you know the monthly cost before you make an offer.

  • LVR is your loan to value ratio: the loan amount divided by the property value, shown as a percentage. A $640,000 loan on an $800,000 property is an 80% LVR. Most lenders charge lenders mortgage insurance (LMI) above 80%, unless you use a government scheme such as the 5% Deposit Scheme or qualify for an LMI waiver, for example as an eligible professional.

  • No. Every calculator is free to use with no sign-up and no email address needed. You only give us your details if you want a broker to check your numbers, and that check is free with no obligation and no credit check.

  • Yes. Send your figures through the form on this page and Sumit or the team will check them against current lender policy, including how each lender counts your income and expenses and which ones suit your deposit. For home loans the service is free because the lender pays us. We generally respond within an hour.

  • Every lender assesses you its own way. They use different living expense benchmarks, add different buffers to the interest rate when testing repayments, count different shares of overtime, bonus and rental income, and treat credit card limits and HECS debt differently. Online calculators use one set of assumptions, so treat the result as a guide and compare lenders before you rely on it.

  • Yes. The borrowing power and loan repayment calculators work for investment loans, and the income gross-up calculator shows how lenders treat rental income. NSW stamp duty applies to investment purchases at the general rates, without the first home buyer exemption or concession. A broker can then check how the purchase fits your wider borrowing and which lenders suit investors.

Free strategy call

The people behind your strategy call

Sumit and the team take the numbers from any calculator and test them against real lender policy, so you know what you can borrow before you make an offer. 5.0 stars from 360+ Google reviews and 2,500+ clients helped. We generally respond within an hour.
Sumit Joshi, principal broker at RyRo Loan Centre

Get your numbers checked

Tell us your goal and a broker will check your figures.

Free, no obligation. We generally respond within an hour.

Google5.0360+ Google reviews

We generally respond within an hour. Prefer to pick a time? Book your strategy call online.

Sumit Joshi of RyRo Loan Centre smiling in a blue suit and gold tie

Sumit Joshi JP

Principal broker, Credit Rep 446824

  • Your calculator results checked by a broker
  • Lenders compared for your income, deposit and goal
  • Free for home loans: the lender pays us
Sumit · 2:59
From two properties to four in six monthsSumit Joshi, RyRo Loan Centre

More videos from Sumit

From 360+ Google reviews
5.0
Clients helped
2,500+
Broker fees on home loans
$0
Broker check of your numbers
Free
“Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!”
Belinda White · Google review

Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026. Calculator results are estimates. Each lender applies its own credit policy.

Get my free loan review