Estimate your monthly repayments and total loan cost. Updated for current rate conditions.
Lenders Mortgage Insurance is charged when your deposit is less than 20% (LVR above 80%). Sila can help you access schemes that waive LMI entirely — like the First Home Guarantee.
Loan-to-Value Ratio is your loan amount as a percentage of the property value. The lower your LVR, the more equity you have — and the better rates you may qualify for.
Fixed rates offer repayment certainty. Variable rates move with the market. A split loan gives you both. Sila will recommend the right structure for your goals.
This calculator gives you a starting point. Book a free consultation and Sila will map out your actual borrowing capacity, grants, and loan options — at no cost to you.