Curious how much you can borrow, what stamp duty will cost, or what your repayments really are? Find out at the rate you'll actually pay.
How much debt a business acquisition can carry, what it costs secured versus unsecured, and whether the business earns enough to cover it.
Open calculator → LiveHow much you can borrow for a home loan in today's rate environment.
Open calculator → LiveYour home loan repayments at your actual rate, with offset, extra repayments and interest-only periods factored in.
Open calculator → LiveThe transfer duty and government fees you pay when buying property, in every state and territory.
Open calculator → LiveWhat the proposed 2027 reform does to your cashflow, by property class. Conditional on the changes becoming law.
Open calculator →How much you can borrow against a commercial property, and what it costs to service.
In buildThe calculators answer the cost question. These articles answer the context questions. Our First Home Buyer Guide Melbourne 2026 covers Victorian stamp duty concessions, the First Home Owner Grant, LMI costs, and the full purchase timeline. For an ongoing read on how rates are shifting borrowing capacity and what to weigh before your next rate review, see the FGO Monthly newsletters. If you are working out whether to buy or build, the analysis of migration, building approvals, and property demand provides the structural context.
The calculators model the numbers; structuring and placing the loan is what FGO Finance Group does. Our home loans service covers residential lending, commercial property finance covers investment and owner-occupied commercial, acquisition finance covers buying a business, and business loans cover working capital and equipment.
The calculators tell you what a loan costs. FGO Finance Group can assess which lender, which structure and which rate you actually qualify for, across banks, non-banks and private credit, at no cost to you.
