MortgagePayAU
Mortgage Calculator for Aus.
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Australia's most complete mortgage calculator. Instant repayments, stamp duty across all 8 states, negative gearing analysis, and PDF reports for your clients.
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/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Bug Fixes & Improvements
- Fixed keyboard dismissal on all screens
- Added Close button when keyboard is active
- Subscription status now updates automatically
- General stability improvements
The developer, Irradiated Solution Application Pty Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Irradiated Solution Application Pty Ltd
- Size
- 894 KB
- Category
- Finance
- Compatibility
Requires iOS 16.6 or later.
- iPhone
Requires iOS 16.6 or later. - iPad
Requires iPadOS 16.6 or later. - Mac
Requires macOS 13.5 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- MortgagePayAU Monthly Pro $1.99
- MortgagePayAU Pro — Lifetime $29.99
- Copyright
- © 2026 Irradiated Solution