Tools and guidance
Resources
Simple tools and guidance to help you plan your next finance decision.
Calculators
Use these calculators as a starting point only. The results are estimates and should be discussed with a broker or qualified adviser before making decisions.
Loan Repayment Calculator Estimate repayments, extra repayments, offset impact and total interest payable. Open calculator
Income Calculator Estimate gross income, estimated tax and net income by payment frequency. Open calculator
Refinance Savings Calculator Compare your current loan with a potential new rate and estimate possible savings. Open calculator
Calculator Disclaimer
These calculators are provided for illustrative and discussion purposes only. Results are estimates only and should not be relied upon as financial, legal or tax advice. Loan repayment and refinance calculations are estimates only. Income calculator results are based on the tax year shown in the calculator, simplified Australian resident tax rates and an estimated Medicare levy, and do not account for deductions, offsets, HELP/HECS, private health insurance, residency status or other personal tax circumstances. Actual repayments, savings, fees, charges, tax outcomes and eligibility may vary depending on your lender, loan structure, property details and personal circumstances. Please seek professional advice before making financial decisions.
FAQs
How much can I borrow?
Borrowing capacity depends on your income, expenses, existing debts, credit profile, deposit and lender policy. Talk to us for a more accurate estimation.
Should I choose fixed or variable?
The right structure depends on your goals, repayment comfort, flexibility needs and interest rate outlook.
Can I refinance to get a better rate?
Yes, refinancing may help reduce repayments, improve loan structure or access equity, subject to lender approval.
What does a mortgage broker do?
A mortgage broker compares suitable loan options, explains the process and supports your application through to settlement.
Can you help with investment loans?
Yes, we support investors with lending strategy, loan structure and portfolio finance considerations.
Do you assist with commercial finance?
Yes, Zentix Finance can assist with commercial property, business lending and related finance needs.
Can an SMSF borrow to buy property?
SMSF lending may be available through certain lenders, subject to strict rules, lender policy and professional advice.
Do you charge clients a fee?
This depends on the service provided and will be discussed clearly before proceeding.