Disclaimer

Estimates Only

All calculator outputs are estimates based solely on the information and assumptions you enter.

Results are illustrative only and do not constitute:

• Loan quotes
• Pre-approvals
• Credit approvals
• Guaranteed borrowing capacity
• Formal repayment schedules

This includes loan repayments, borrowing capacity calculations, investment property tax impact scenarios, and take-home pay estimates.

Actual outcomes will vary.

No Financial, Tax or Credit Advice

LoanMetric provides general information only.

The content and calculators do not take into account your personal objectives, financial situation, or needs.

Nothing on this website constitutes:

• Financial product advice
• Tax advice
• Credit assistance
• Lending recommendations

You should obtain independent advice from a qualified financial adviser, mortgage broker, accountant, tax professional, or other licensed adviser before making financial decisions.

Lending Policy and Serviceability Differences

Borrowing capacity and loan approval outcomes vary significantly between lenders.

Actual results depend on factors including:

• Lender credit policy
• Interest rate buffers (including regulatory serviceability buffers)
• Debt-to-income (DTI) limits
• Living expense assessment models
• Fees and product features
• Credit history and verification requirements

LoanMetric does not represent or warrant that any lender will approve a loan based on calculator results.

Final approval is always subject to full credit assessment by the lender.

Tax and Investment Scenarios

Investment property and tax-related calculators use simplified assumptions and may not reflect:

• Your individual tax position
• Legislative changes
• ATO interpretation
• Depreciation schedules
• Ownership structures

Tax outcomes should always be confirmed with a registered tax agent or accountant.

Third-Party Data

Where external data is shown (for example, reference interest rates such as the Reserve Bank of Australia cash rate), it may be delayed, changed, or unavailable.

We do not guarantee the accuracy, completeness, or timeliness of third-party information.

You should verify official figures directly from the original source.

Market and Rate Changes

Interest rates, lending policies, government regulations, and market conditions change over time.

Calculator assumptions may not reflect the most recent lender updates or regulatory changes.

Use at Your Own Risk

Your use of LoanMetric is at your own risk.

To the maximum extent permitted by law, we are not responsible for financial loss, opportunity cost, or other damages arising from reliance on calculator outputs or website content.

Nothing in this Disclaimer excludes liability that cannot be excluded under Australian law.

Seek Professional Advice

Before making financial commitments, you should confirm final loan terms, fees, rates, tax outcomes, and employment income details directly with:

• Your lender or mortgage broker
• A licensed financial adviser
• A registered tax professional
• Your payroll provider (where relevant)