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Repayment calculator
Principal & interest or interest-only, with extra repayments, an offset balance, and what happens if the RBA moves again.
The loan
Structure
Principal & interest
—per month
—
Total interest over the loan—
Total repaid—
Interest saved by extra repayments & offset—
Loan paid off early by—
Balance over time
If the RBA moves again
Rate
Repayment
Change
Extra per year
Lenders normally assess a new loan at your rate plus a 3.00% serviceability buffer (APRA guidance). At — this loan would cost — a month — that's the figure the lender tests you against, not what you'll actually pay.
Stamp duty
Transfer duty for all eight states and territories, with first-home concessions, foreign buyer surcharges and the cash you need at settlement.
Purchase
Buyer
—
—duty payable
—
Duty at the standard rate—
Concession—
Foreign buyer surcharge—
Total duty—
Cash to settle
Deposit—
Stamp duty—
Conveyancing & inspections—
Funds required—
Loan required —
Land titles registration and mortgage registration fees are set by each state's land registry and change most years — add those on top. LMI is a lender-by-lender premium; above 80% LVR check whether the Australian Government 5% Deposit Scheme removes it entirely (see Tools).
How this state charges duty
Dutiable value
Duty
Government help
Every grant, duty concession and federal scheme a buyer can stack, state by state — with a worked example showing the dollars.
Choose a state
State benefits
Worked example
Federal — available in every state
Australian Government 5% Deposit SchemeFormerly the Home Guarantee Scheme. From 1 October 2025: no income caps, no place limits, no waitlist, and no LMI. First home buyers need 5%; single parents and legal guardians need 2%. Buy new or established, or build. Over 320,000 buyers helped since 2020.
Help to Buy — shared equityThe Government takes up to 40% of a new home or 30% of an existing one; the buyer needs a 2% deposit and no LMI. Income cap $103,000 single or $165,000 joint (wage-indexed each year). 10,000 places a year. Buyer must live in the home; the Government's share is repaid on sale or refinance.
First Home Super Saver SchemeSave the deposit inside super at 15% tax instead of your marginal rate. Up to $15,000 of voluntary contributions a year count, $50,000 in total; 85% of concessional contributions plus deemed earnings are released to buy your first home.
Price caps — 5% Deposit Scheme
Where
Capital & regional centres
Elsewhere
Price caps — Help to Buy
Where
Capital & regional centres
Elsewhere
Regional centres: NSW Central Coast, Coffs Harbour–Grafton, Illawarra, Mid North Coast, Richmond–Tweed, Newcastle & Lake Macquarie · VIC Geelong · QLD Gold Coast and Sunshine Coast. Note the Sydney cap is $1.5m under the 5% Deposit Scheme but $1.3m under Help to Buy. Both the purchase price and the lender's valuation must sit at or under the cap.
RBA cash rate
Where the cash rate sits, how it got here, and every Monetary Policy Board decision date through 2027.
Held at the August 2026 meeting
4.35%effective 12 August 2026
Three increases in 2026 — February, March and May — took the cash rate from 3.60% back to 4.35%, unwinding the 2025 easing cycle in full. The Board has held at the June and August meetings since.
Cycle low3.60% Aug 2025 – Jan 2026
Cycle high4.35% now, and Nov 2023 – Feb 2025
Change over 12 months+0.75%
Cash rate since April 2022
The cash rate is a step function — it holds flat between decisions and jumps on the day after each announcement. This chart plots it the way the RBA sets it, not as a smoothed trend line.
Decision dates
The Monetary Policy Board meets over two days; the decision is announced at 2:30pm AEST on the second day and takes effect the following day. Minutes follow two weeks later.
Every change since 2022
Effective
Change
Cash rate
Source: Reserve Bank of Australia, cash rate target statistics. Held meetings omitted from this table — only moves are listed.
What changed
Rate decisions, grant changes and scheme deadlines that change what you'll pay. Current as at 18 September 2026.
The RBA's own words · 11 August 2026
Momentum in the housing market has shifted, with housing prices falling in some capital cities and new housing loans declining noticeably. Inflation is not expected to return to around the midpoint of the target range until late 2027 and there are upside risks — and the Board will consider increasing the cash rate target further if upside risks materialise.
The market in numbers
Cash rate
4.35%
held since May · RBA
Average new home loan
$731k
owner-occupiers · ABS, Jun qtr
New loans above 80% LVR
29.7%
of loans written · APRA, Jun qtr
Home loans in arrears
1.01%
non-performing · APRA, Jun qtr
Owner-occupier loans
−3.3%
quarter on quarter · ABS
Investor loans
−8.6%
quarter on quarter · ABS
Keep this current. These items are hand-checked against the source regulator or revenue office — they are not an automated feed. Ask for a refresh after each RBA meeting and each state budget (state budgets land May–June; the ACT and NSW index their thresholds on 1 July).
Tools
A rough idea of what you could borrow, before you send us a single document.
Indicative borrowing power
Indicative only — not a pre-approval
—estimated maximum loan
—
Net monthly income after tax, estimated—
Commitments & benchmark expenses—
Monthly surplus—
Assessment rate—
Uses a simplified tax estimate, a household expense floor in line with lender benchmarks, 3.8% of card limits as a monthly commitment, and a 3.00% serviceability buffer over 30 years. Every lender has its own HEM scale, shading of rental and bonus income, and treatment of HECS — real capacity routinely lands 10–15% either side of this. Treat it as a starting point — we confirm the real figure once we've seen your full position, and we know which lenders will look at it most favourably.
Where the numbers come from
Every rate and threshold in this app was read from the source below on the date shown, not typed from memory. The "next check" is when that source is next likely to change.
Dataset
Verified
Next check
GrowthSure re-checks every figure against its source each Tuesday, and again after any state budget. If a figure here ever disagrees with the revenue office, the revenue office wins — and we'd like to hear about it.