Disclaimer

The calculators, figures, and content on the Australian side of Fiscalgrove are provided forgeneral information purposes only and do not constitute financial, mortgage, tax, or legal advice. They should not be relied upon as the sole basis for any financial decision.

Estimates, not offers

Every figure produced by a Fiscalgrove calculator — home loan repayments, borrowing power, stamp duty, Lenders Mortgage Insurance (LMI), LVR, offset and extra-repayment savings, refinance savings, rental yield, negative gearing, and First Home Owner Grant (FHOG) support — is an estimate based on the inputs you provide and the assumptions stated on that calculator's page. Your actual loan approval, rate, fees, and total cost will be determined by an ADI (bank), credit union, or mortgage broker based on a full assessment of your circumstances, credit history, and the specific product you choose, and may differ from these estimates.

Not a lender, broker, or licensed adviser

Fiscalgrove is not a home loan lender, mortgage broker, or licensed financial adviser, and is not regulated by the Australian Prudential Regulation Authority (APRA), the Australian Securities and Investments Commission (ASIC), or any other Australian financial or credit regulator. Arranging a home loan in Australia typically involves a licensed mortgage broker or an authorised deposit-taking institution (ADI) — before making a decision, speak to a licensed mortgage broker or financial adviser who can assess your full circumstances and recommend a suitable product.

LMI, stamp duty, and FHOG figures are illustrative estimates

References to Lenders Mortgage Insurance (LMI) premiums, state stamp duty (transfer duty), and First Home Owner Grant (FHOG) amounts on this site are illustrative estimates only. LMI premiums are distilled mid-points from public rate cards for a representative loan size — not an official rate card from Helia, QBE, or any other insurer, which price off both loan size and LVR band together and can vary by owner-occupier vs. investor status. Stamp duty rates, thresholds, and FHOG amounts and eligibility rules are set and periodically revised by state governments and may have changed since this content was last reviewed. Fiscalgrove is not affiliated with, endorsed by, or acting on behalf of any mortgage insurer, state revenue office, or grants authority. Always confirm exact figures with your lender, broker, a conveyancer/solicitor, or the relevant state revenue office or grants portal before completing a purchase, refinance, or loan application.

Negative gearing and tax matters

Content and calculator outputs relating to negative gearing, rental yield, and tax benefits are for general educational purposes only and do not constitute tax advice. Your actual tax position depends on your full income, deductions, and circumstances, and on current Australian Taxation Office (ATO) rules, which can change. Consult a registered tax agent or accountant before relying on any negative-gearing or tax-related figure from this site.

No liability

To the fullest extent permitted by law, Fiscalgrove accepts no liability for any loss arising from reliance on information or calculations provided on this site. Use of this site is entirely at your own risk.

See also our Methodology and Editorial Policy pages.