First Home Loan :: Calculators

First Home Loan Financial Calculators

First Home Loan 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.

Life Insurance Calculator

Estimate your life insurance needs with our Life Insurance Calculator. Work out the right level of cover to protect your family and secure their financial future.

Income Protection Insurance Calculator

Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.

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

Finance News

Why Home Insurance Is Now a Bigger First-Home Budget Item

09 Sep 2026: Paige Estritori

Recent property and finance reporting suggests home insurance is becoming a more important affordability test for first home buyers, not just a post-settlement detail. Premiums remain under pressure from severe weather risk, higher rebuilding costs and insurer pricing changes, and that can flow directly into the budget a lender expects you to manage. - read more

Why Lower Savings Rates Could Slow Your First-Home Deposit Plan

02 Sep 2026: Paige Estritori

Recent savings market reporting suggests Australian banks are continuing to adjust high-interest savings and bonus saver accounts as the interest rate cycle changes. For first home buyers, this may sound like a side issue compared with house prices or loan rates, but it can directly affect how quickly a deposit grows. - read more

Why the Home Loan Stress Test Still Matters for First Buyers

26 Aug 2026: Paige Estritori

Australia’s home loan market is showing signs of renewed competition, with some lenders adjusting rates and sharpening offers for borrowers with strong applications. For first home buyers, that can sound like a welcome shift after a long stretch of affordability pressure. But one important hurdle remains firmly in the background: the serviceability buffer. - read more

Rising Rents Are Making the First-Home Deposit Race Tougher

19 Aug 2026: Paige Estritori

Fresh rental market commentary points to an uncomfortable reality for many aspiring first-home buyers: even when property price growth slows, high rents can still make the path to ownership feel harder. For Australians renting while saving a deposit, every rent rise can reduce the amount left over for savings, moving costs, upfront buying expenses and loan application preparation. - read more

Click for more Finance News

Home Loan Articles

Essential Tips to Boost Your Loan Eligibility as a First-Time Homebuyer

Welcome to our deep dive into the world of loan eligibility for first-time homebuyers in Australia. Buying your first home is both an exciting and daunting experience. Fortunately, you're not alone on this journey. This article aims to arm you with the essential tips and insights needed to boost your loan eligibility as a first-time buyer. - read more

Navigating Government Grants: A First-Time Homebuyer's Guide

For many Australians, purchasing a home is one of the biggest financial commitments they will undertake. As a first-time home buyer, navigating the financial landscape can be daunting. This is where government grants come into play, offering much-needed support and financial relief to those entering the property market for the first time. - read more

First Home Loan Options: Navigating the Different Loan Types Available

Buying your first home is an exciting milestone, marked by significant decisions that can impact your financial future. One of the most crucial decisions you'll face is selecting the right home loan. Understanding the different types of loans available is not just beneficial; it's essential for every first-time home buyer. - read more

How the First Home Buying Process Works in Australia

A step-by-step guide to the first home buying process in Australia, from budgeting and loan preparation through to making an offer, formal approval, settlement and post-settlement responsibilities. - read more

Knowledgebase

Working Capital:
A measure of a company's short-term financial health, calculated as current assets minus current liabilities.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.