Banh & Co. Capital - Client Calculators
Free Client Tools

Run Your Numbers
Move Forward With Confidence

Calculate borrowing capacity, purchase costs, repayments, and refinance scenarios. When you're ready, book a session and we'll walk through your actual numbers together.

Unlock The Property Blueprint
Inside The Blueprint
📁 2 Client Case Studies 🏠 Home Buyer Journey Guide 📄 Home Loan Essentials Guide 📈 Property Investment Guide 📰 Monthly Lending Insights 📊 Financial Calculators Excel Pack
Applicant Income
Enter gross annual income. Leave Applicant 2 at $0 for single applicant. Overtime and other income assessed at 80% (lender standard).
100% used
80% used
80% used
Outstanding HECS/HELP debt
Leave 0 if single
80% used
80% used
Liabilities & Dependants
Total limits, not balances
Car, personal loans
Annual gross rental
Loan Parameters
3% buffer added to entered rate
3% buffer rate - ATO 2025-26 tax & HECS rates - HEM benchmark
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Want These Numbers As An Editable Excel Pack?

Get the Property Finance Blueprint - four calculators as editable Excel, two real client case studies, buyer and investor guides, plus monthly lending insights. Everything we use in client strategy sessions, free.

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Want A Lender-Verified Borrowing Limit?

These numbers give you a strong starting point. Let's run your scenario across multiple lenders and confirm the actual capacity a bank would approve.

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Property Details
Purchase Costs
Stamp duty per state legislation 2025-26 - FHB concessions applied
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Want The Full Purchase Planning Toolkit?

Get the Property Finance Blueprint - four calculators as editable Excel, two real client case studies on stamp duty and LVR strategy, buyer and investor guides, plus monthly market insights. Everything we use in client strategy sessions, free.

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Ready To Structure Your Deposit Plan?

From stamp duty strategy to LVR optimisation, we'll map out your complete funding position - so you know exactly what's required at settlement.

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Loan Details
Monthly repayments - rate sensitivity +/-1% in 0.25% steps
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Want A Live Repayment Model You Can Adjust Anytime?

Get the Property Finance Blueprint - this repayment model as editable Excel plus three more calculators, two real client case studies, buyer and investor guides, and monthly lending insights. Everything we use in client strategy sessions, free.

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Want To Stress-Test Your Loan Structure?

Rate movements are part of the journey. Let's build a repayment structure that protects you against market changes and minimises interest cost over the life of the loan.

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Loan Comparison
Current Loan
New Loan
Outstanding Balance ($)
Interest Rate (% p.a.)
Remaining Term (years)
Repayment Type
Refinance Costs
Existing lender exit fee
If breaking fixed rate
Only if title change
Total interest comparison - break-even analysis
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Want These Refinance Numbers Plus Full Case Studies?

Get the Property Finance Blueprint - four calculators as editable Excel, two real client case studies showing refinance strategy for buyers and investors, buyer and investor guides, plus monthly lending insights. Everything we use in client strategy sessions, free.

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Ready To Run The Refinance Numbers Properly?

The numbers here are a starting point. The real value lies in lender selection and exit strategy - let's walk through your full scenario and make sure a refinance is the right move.

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Results are indicative estimates only and do not constitute financial advice. Always consult a licensed mortgage broker or financial adviser before making lending decisions. Stamp duty rates current as at 2025-26. FHB concession eligibility subject to conditions and state legislation.