MortgagePayAU

MortgagePayAU is the professional mortgage calculator built specifically for Australian property buyers, real estate agents, and investors.
Whether you're comparing home loans, calculating stamp duty across all 8 states, or analysing an investment property's negative gearing benefits, MortgagePayAU gives you instant, accurate results in seconds.

CORE FEATURES
-  Mortgage Calculator
Principal & Interest and Interest Only repayments
Monthly repayment, total interest, and total amount paid
LVR (Loan to Value Ratio) with LMI estimate
Full yearly repayment schedule for the entire loan term
Extra repayment savings calculator

-  Stamp Duty Calculator
All 8 Australian states and territories (NSW, VIC, QLD, WA, SA, TAS, ACT, NT)
First Home Buyer concessions automatically applied Owner Occupied vs Investment property rates Transfer and registration fees included Total upfront cost breakdown

-  Loan Comparison
Compare up to 3 loan scenarios side by side Instantly see which loan saves the most interest Best value automatically highlighted

PRO FEATURES
-  Offset Account Analysis
See exactly how much your offset savings reduce interest 
Time saved off your loan term
Visual comparison chart

-  Refinancing Analysis
Break-even point calculator, is it worth switching?
Monthly saving vs switching costs
Cumulative savings chart over time

-  Investment Property Analysis
Gross and net rental yield
Negative gearing tax benefit calculation
Annual cash flow breakdown
Before and after-tax cash flow

-  Professional PDF Reports
Generate branded reports to share with clients
Includes full loan summary and yearly repayment schedule
Share via email, AirDrop, or Messages instantly

- WHY MORTGAGEPAYAU?
Built specifically for the Australian market
All 8 states stamp duty — including First Home Buyer concessions
Calculations that reflect real Australian lending conditions
Clean, fast, no ads — just results
Professional PDF reports for client meetings

PRICING
MortgagePayAU is free to try with 5 calculations included. Upgrade to Pro for unlimited access:

Monthly: $1.99/month — includes 7-day free trial, cancel anytime
Lifetime: $29.99 — one-time purchase, all future updates included

Payment is charged to your Apple ID. Monthly subscription auto-renews unless cancelled at least 24 hours before the renewal date. Manage subscriptions in your Apple ID Account Settings.

DISCLAIMER: Calculations provided by MortgagePayAU are estimates for informational purposes only. Always consult a licensed mortgage broker or financial adviser before making financial decisions.

Terms of Use: https://irradiatedsolution.github.io/mortgagepayau-privacy/terms.html

Privacy Policy: https://irradiatedsolution.github.io/mortgagepayau-privacy/