Know your
numbers.
Start with an estimate. Then talk to Van, who turns that number into a plan that actually works.
Calculator 01
Borrowing Power
Enter your income and expenses to estimate how much a lender may be willing to let you borrow. Figures update as you type.
This calculator provides an estimate only and does not constitute financial advice or a lending commitment. Results apply a 3% APRA serviceability buffer to the stated rate (minimum floor 5.75%). Where stated living expenses fall below the Household Expenditure Measure (HEM), the HEM is used. Credit card commitments are assessed at 3.8% of total limits. Actual borrowing capacity depends on lender credit policies and formal assessment. Speak with Van Nguyen for a personalised assessment.
Calculator 02
Loan Repayments
Enter your loan amount, interest rate and term to calculate your regular repayments. Switch frequency to see monthly, fortnightly or weekly figures.
Results are estimates only and do not constitute financial advice. Calculations assume a fixed interest rate throughout the loan term and exclude any upfront or discharge fees. Interest is compounded at the repayment frequency selected. Actual repayments may vary depending on your lender's calculation method. Speak with Van Nguyen for a personalised assessment.
Calculator 03
Extra Repayments
See how much interest you save, and how much sooner you're debt-free, by making extra repayments above the minimum.
Results are estimates only and do not constitute financial advice. Calculations assume a fixed interest rate, no fees, and interest compounding at the selected repayment frequency. Actual savings depend on your lender's calculation method and any loan features (e.g. offset accounts, redraw). Speak with Van Nguyen for a personalised assessment.
Calculator 04
Income Annualiser
Working out annual income for someone who hasn't been in a role the full year? Enter the start of their financial year, the latest pay date, and their year-to-date earnings: we'll project the full annual figure.
Results are estimates only and do not constitute financial advice or a formal income assessment. This calculator projects year-to-date income to a full annual figure based on days elapsed. It does not convert between gross and net income: use the same basis consistently. Actual income assessment for lending purposes requires formal documentation and lender review. Speak with Van Nguyen for a personalised assessment.
Calculator 05
How Long to Repay
Know what you can afford to repay? Enter that amount and see exactly how long it takes to clear your loan, and what it costs you in interest along the way.
Results are estimates only and do not constitute financial advice. This calculator assumes a fixed interest rate throughout the loan term and does not account for fees or charges. Interest is compounded at the repayment frequency selected. If the repayment amount does not exceed the interest charged per period, the loan balance will not reduce. Actual loan terms depend on lender policies and your full financial position. Speak with Van Nguyen for a personalised assessment.
Calculator 06
Home Loan Offset
See how much your offset account saves you. Your repayment stays the same, but every dollar sitting in offset reduces the balance on which interest is charged, so you pay off sooner and pay less.
Results are estimates only and do not constitute financial advice. This calculator assumes the offset balance remains constant throughout the loan term and that no fees apply. Interest is compounded at the selected repayment frequency. In practice, your offset balance will fluctuate as you deposit and withdraw funds. Actual savings depend on how consistently you maintain the offset balance. Speak with Van Nguyen for a personalised assessment.
Ready to take the next step?
Numbers are a starting point.
Van turns them into a plan.
An estimate is useful. A conversation with Van is where it becomes real, tailored to your situation, your timeline, and the life you're building toward.