General advice warning
The information on this website is general in nature and has been prepared without taking into account your objectives, financial situation, or needs. Consider whether the information is appropriate for your circumstances before acting on it.
Unpack Property does not hold an Australian Financial Services Licence (AFSL) and does not provide personal financial advice. The calculators and tools on this website are provided for your information and to illustrate scenarios only.
Not credit assistance
Unpack Property does not hold an Australian Credit Licence and does not provide credit assistance. Our borrowing power, repayment, refinance, deposit, and loan comparison tools show general estimates from the figures you enter and the assumptions stated on each page. They do not suggest that you apply for, or stay in, any particular loan or with any particular lender, and they are not a credit assessment. Each lender decides how much you can borrow using its own criteria. A licensed mortgage broker or lender can help you with a specific loan.
Not tax advice
Unpack Property is not a registered tax agent or BAS agent. Our income tax, pay, HELP debt, First Home Super Saver, Family Tax Benefit, and Child Care Subsidy tools give general estimates based on published rates and thresholds. They are not tax advice and do not take into account your full tax or family situation. The ATO decides your actual tax, and Services Australia decides your actual family payments. For advice about your own tax, speak to a registered tax agent (you can check registration on the Tax Practitioners Board register) or contact the ATO.
Built for Australia only
The calculators, guides and figures on this website are prepared for people buying residential property in Australia. They use Australian federal, state and territory laws, tax rates, lending practices and government schemes, and show amounts in Australian dollars (AUD).
They are not designed for property, tax or lending decisions in any other country, and the results do not apply outside Australia. If you are buying in Australia from overseas, or are not an Australian citizen or permanent resident, different Australian rules may apply to you, such as foreign purchaser duty surcharges and Foreign Investment Review Board (FIRB) requirements.
Seek independent advice
Consider seeking independent legal, financial, credit, taxation, or other professional advice to check how the information on this website relates to your circumstances before making any financial decisions.
Accuracy of information
While we make reasonable efforts to ensure the information on this website is accurate and up to date, we do not warrant or guarantee its accuracy, completeness, or currency. Grant amounts, eligibility criteria, stamp duty rates, interest rates, and government scheme rules change frequently.
Each calculator shows a "Data verified" month. It is the date we last checked the oldest data source that calculator relies on against official sources. Rules can change after that date, so the figures shown may no longer be current.
All calculator results are estimates for illustrative purposes only. Results are based on the assumptions stated on each calculator page and should not be taken as a substitute for professional advice. Actual outcomes may differ based on your individual circumstances, lender criteria, and market conditions.
Always verify grant amounts and eligibility directly with the relevant state or territory revenue office and Housing Australia before making decisions. The official body decides whether you are eligible.
Limitation of liability
The calculators, guides, and information on this website are provided free of charge. To the extent permitted by law, Unpack Property is not liable for any loss arising from the use of, or reliance on, information provided directly or indirectly by this website, including loss caused by negligence.
Nothing on this page excludes, restricts, or modifies any right or remedy you have, or any guarantee, warranty, or other term implied or imposed by the Australian Consumer Law or any other law, that cannot lawfully be excluded, restricted, or modified.
Calculator assumptions
Each calculator on this site operates under stated assumptions including, but not limited to, interest rates, loan terms, property growth rates, and tax brackets. These assumptions are displayed on each calculator page. Results should not be interpreted as guarantees of future outcomes or as advice to pursue a particular course of action.
Third-party links
This website may contain links to external websites operated by government agencies, financial institutions, or other third parties. We do not control these websites and are not responsible for their content, privacy practices, or availability.
Support and donations
This website is independently built and maintained. From time to time we may invite voluntary support via Ko-fi to cover hosting and development costs. These contributions do not influence the information, calculations, or tools provided on this site. We have no affiliate or referral relationships with any financial institution, lender, broker, or government body, we do not run paid advertising or sponsored content, and no calculator result depends on a commercial relationship. See our Disclosure page for how the site is funded.