First Home Buyer :: Calculators

First Home Buyer Financial Calculators

First Home Buyer is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Calculate home loan repayments with our Home Loan Repayment Calculator. View detailed amortization charts, compare loan terms, and plan your mortgage with confidence.

Fortnightly Repayment Calculator

See how switching from monthly to fortnightly repayments could save you money. Use our Fortnightly Repayment Calculator to compare schedules and reduce your mortgage faster.

'Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.'

Finance News

Why the mortgage buffer still matters for first-home buyers

04 Aug 2026: Paige Estritori

Australia’s mortgage serviceability buffer remains one of the most important lending hurdles for first-home buyers, even as property market conditions vary from suburb to suburb. Under current prudential settings, banks are generally expected to test whether borrowers could manage repayments at an interest rate at least three percentage points above the loan rate they are applying for. - read more

Expanded 5% Deposit Pathway Puts First Buyers Back in Focus

28 Jul 2026: Paige Estritori

Australia’s expanded low-deposit pathway for first home buyers is again shaping property and finance discussion, with the scheme designed to let eligible purchasers enter the market with a deposit from 5 per cent and avoid lenders mortgage insurance. For buyers who have been saving steadily but watching prices move faster than their deposit, that can be a meaningful shift. - read more

Why first-home buyers are turning to Western Sydney apartments

21 Jul 2026: Paige Estritori

New NSW property sales data points to a practical shift in the first-home buyer market: more buyers are choosing apartments in Western Sydney, while overall transaction volumes across the state have lifted. InfoTrack’s latest quarterly figures show NSW sales activity rose between April and June, with first-home buyers increasingly clustering around suburbs that offer a mix of relative affordability, transport, jobs and established services. - read more

Melbourne's Auction Slowdown Could Shift Power Towards Prepared First-Home Buyers

30 Jun 2026: Paige Estritori

Melbourne's auction market has entered a noticeably weaker phase, with the latest reported clearance rate sitting in the mid-40 per cent range and several June weekends falling below the 50 per cent mark. For first-home buyers who have spent the past year battling crowded inspections and fast-moving bidding, the shift is worth watching closely. - read more

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Home Loan Articles

Understanding How Interest Rates Affect Your Home Loan Payment

Interest rates might seem like just a number, but they play a crucial role in determining how much you ultimately pay for your home. Simply put, the interest rate on your home loan is the cost you incur for borrowing money from a lender. - read more

How Credit Scores Can Affect Australian Home Loan Interest Rates

Your credit score can influence more than whether a lender is willing to consider your home loan application. It may also affect the interest rate and loan terms you are offered, because lenders use credit history as one part of assessing repayment risk. Even a small rate difference can change monthly repayments and total interest over a long mortgage term. - read more

Budgeting Blunders to Avoid When Buying Your First Home

Buying your first home is an exciting milestone, but it can also be a daunting experience, especially for young Australians. The journey is filled with challenges ranging from navigating the real estate market to securing a mortgage that won't stretch your finances too thin. - read more

First Home Buyers: Mastering the Jargon of Home Loans

Buying your first home is a thrilling milestone, filled with anticipation and the promise of a new chapter in your life. For many Australians, it's a dream to own a place they can truly call their own. However, alongside the excitement, comes the reality of navigating the complex property market, which can be daunting for first-time buyers. - read more

Knowledgebase

Hedge Fund:
An alternative investment vehicle that uses pooled funds to employ different strategies to earn active returns, or alpha, for their investors.

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