0458 773 002 2-minute check

Free home loan tools for Queensland buyers.

Repayments, Queensland stamp duty, first home programs, borrowing power and refinancing. Open to everyone, no sign-up, with the assumptions shown next to every result.

Repayment calculatorPrincipal and interest or interest-only, weekly, fortnightly or monthly, plus what extra repayments could save.QLD stamp duty calculatorTransfer duty with the home, first home and new home concessions, from Queensland Revenue Office tables.First home buyer checkThe $30,000 grant, duty concessions and the 5% Deposit Scheme: what you may be able to access.Borrowing power estimateA range, not a promise. Enter base pay, overtime and allowances separately.Refinance savings calculatorCompare your current rate with another rate, including switching costs and break-even.Mackay First Home Buyer Kit 2026Printable documents checklist, steps and every first home program, with official links.
Free download

Mackay First Home Buyer Kit 2026

A printable checklist: the documents lenders usually ask for, the steps from first chat to keys, and every Queensland and federal first home program with links to the official pages.

  • Documents checklist, including roster and self-employed income
  • $30,000 grant, $0 duty and 5% Deposit Scheme rules, with sources
  • Step-by-step from conditional pre-approval to settlement

Cutting Edge Finance (Credit Representative 441201 of Aus Property Financial Solutions Pty Ltd, ACL 389328) collects your name and email to send you the First Home Buyer Kit and to reply if you contact us. If you don't provide them, we can't email you the kit. We may share them with our licensee, aggregator and service providers, some of whom store data overseas (including the United States). We won't send you marketing unless you opt in. Our Privacy Policy explains how we use automated tools, how to access or correct your information and how to complain. Contact: broker@cutfinance.com.

Questions

About the tools

Are the tools free to use?

Yes. Every calculator is open, with no sign-up. The results are estimates and general information only.

How accurate are the results?

The repayment, duty and refinance maths uses standard formulas and published Queensland Revenue Office tables. Borrowing power is a range because lenders assess income and expenses differently. A broker can give you a lender-accurate figure.

Do the tools recommend a lender?

No. They don't name or rank lenders or products. Recommendations only come from a broker after we understand your situation.

Want a lender-accurate figure?

The tools give estimates. A broker can check lender policy for your situation.

Start the 2-minute checkBook a callCall 0458 773 002