The results from this calculator are an estimate and should be used as a guide only. They are not a quote, a pre-approval, an offer of credit, or a recommendation to apply for any particular product, and they do not constitute credit assistance or financial advice.

Calculations are based solely on the figures you enter and on general assumptions (for example, that interest rates remain unchanged for the full loan term, that repayments are made on time, and that no additional fees, charges, or redraws apply). Lenders each apply their own assessment criteria, serviceability buffers, fees, and charges, so the amount you can borrow, your repayments, or your costs may differ significantly from the results shown.

This calculator does not take into account your personal objectives, financial situation, or needs. Before acting on any result you should consider whether it is appropriate for your circumstances and seek independent legal, financial, or taxation advice where required. Approval for any loan is always subject to the lender's assessment and to you meeting their lending criteria.

Approved Property Finance is a registered business name of Waves Financial Pty Ltd. Waves Financial Pty Ltd ABN 81 658 337 814 is authorised under Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025.

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