Plan your next move,
with clarity.
Free, private, no-obligation tools to help you understand your numbers before you talk to a lender. When you're ready, Charis is one click away.
Borrowing Capacity
An indicative range of how much you may be able to borrow, based on your income, expenses and commitments.
- Single or joint applicants
- Accounts for dependants & debts
- Instant on-screen estimate
Loan Repayments
Estimate repayments across different loan amounts, rates and terms — and see the difference between options.
- Weekly, fortnightly or monthly
- Principal & interest or interest-only
- Total interest over the life of the loan
Principal & Interest
See your repayment and a year-by-year breakdown of how much goes to interest versus principal.
- Full year-by-year schedule
- See what extra repayments do
- Total interest over the loan
Offset Savings
See how much interest an offset account could save you, and how much sooner the loan could be gone.
- Interest saved over the loan
- Years off your loan term
- Balance chart, with vs without
How Long to Save
Set a savings goal — like a deposit — and see how long it'll take with regular deposits plus interest.
- Time to reach your goal
- Deposits vs interest split
- Weekly, fortnightly or monthly
Loan Health Check
A quick, private check of your current loan — how it compares, and what you might save.
- Health score out of 100
- Potential monthly saving
- What's worth a closer look
Property Opportunity Report
Answer a few quick questions and get a tailored report on suburbs and loan options for your goals.
- Personalised to your plans
- Capital-growth-first suburb ranking
- Free preview, full report by email
Free to use
Every tool is free, with no sign-up required to get an estimate.
Private
Estimates run on your device. Nothing is shared until you choose to.
Guidance included
Have a question about your result? Charis is happy to talk it through.
Prefer to talk it through?
Numbers are a great start — a conversation does the rest. Reach out any time.