Get the insights you need to make informed decisions for your next financial step.
Use our selection of home, business and personal loan calculators to help you calculate how much you can borrow, figure out how much you need to set aside for stamp duty charges, see how much you could save on your mortgage by making extra repayments and more.
NSW All-Inclusive First Home Buyer Calculator
NSW First Home Buyer Calculator — Grants, Stamp Duty & Schemes 2026
Home loan calculators
Multi-Property CGT Calculator | Calculate Tax Impact Across Your Investment Portfolio
Calculate the CGT impact across your entire investment portfolio Managing multiple investment properties across Queensland? Understanding how proposed Capital Gains Tax changes will impact your entire portfolio is crucial for strategic planning. If you own multiple investment properties in the Gold Coast, Logan, Beenleigh, or Scenic Rim regions, the proposed reduction in CGT discount rates from 50% to 33% could mean paying significantly more tax when you decide to sell—not just on one property, but across your entire portfolio. Our free Multi-Property CGT Calculator is designed specifically for property investors with multiple assets. Rather than calculating each property individually, this tool allows you to: Add all your investment properties in one place See individual property calculations for each asset View your total portfolio impact at a glance Compare current vs proposed tax liability across all properties Make informed decisions about portfolio timing and strategy How it works: Enter your marginal tax rate (applies to all properties) Add each investment property with its purchase and expected sale price Instantly see the tax impact for each property individually View your total portfolio summary showing aggregate tax differences Understand the total additional tax you could pay under proposed changes This calculator is perfect for Queensland property investors who have built substantial portfolios and need to understand the full financial impact of proposed CGT reforms on their investment strategy.
Home loan calculators
Capital Gains Tax Calculator | Compare Current vs Proposed CGT Discount Rates
Calculate the impact of proposed CGT discount changes on your property or investment sale. Compare current 50% vs proposed 33% discount rates. Free calculator for Gold Coast, Logan, Beenleigh & Scenic Rim investors.
Home loan calculators
Victoria's First All Inclusive First Home Buyer Calculator
Home loan calculators
Queensland's First and ONLY All Inclusive First Home Buyer Calculator
Ferns Finance Brokers has created the first local, comprehensive calculator designed specifically for Queensland first home buyers. It doesn't just estimate your loan; it combines all the key factors—from the latest grants, incentives and stamp duty concessions—to give you a crystal-clear picture of what you actually need to buy your first home.
Home loan calculators
Business Loan Serviceability Calculator
Helps business owners determine how much they can borrow based on their business financials.
Interest-Only Mortgage Calculator | Compare Payments & True Cost
Calculate your interest-only loan payments, compare them to a P&I loan, and see the total extra cost. Avoid payment shock with our comprehensive calculator.
Home loan calculators
Commercial Property Yield/ROI Calculator
Other calculators
GST Calculator
Use this calculator to Add or Remove GST from an amount. Perfect for: Business owners calculating GST for invoices Accountants and bookkeepers Anyone needing to work out GST on transactions Understanding what portion of a price is GST
Other calculators
Balloon Payment Calculator
Use the balloon payment calculator to understand the impact that a balloon payment will have on your monthly loan repayments and the total amount of interest you’ll be required to pay.
Other calculators
Income Tax Calculator
The income tax calculator can be used to calculate your net income.
Other calculators
Car Loan Calculator
Find out how much your car loan repayments will be, and the total interest charged for the car loan.
Personal loan calculators
Credit Card Calculator
Understand how long it’ll take to complete your repayments and how much interest you will pay.
Personal loan calculators
Personal Loan Repayment Calculator
Use this calculator to find out how much your personal loan repayments will be.
Personal loan calculators
Savings Planner Calculator
Use the calculator to find out how much you could save.
Budgeting calculators
Stamp Duty Calculator
Find out how much budget you need to set aside to cover Stamp Duty costs and what the requirements are in your state or territory.
Budgeting calculators
Budget Planner Calculator
Use this budget planner to help understand your income and expenses, and where you could make savings.
Budgeting calculators
Lump Sum Repayment Calculator
This home loan repayment calculator helps you calculate the savings benefits of making additional lump sum repayments on your home loan.
Home loan calculators
Mortgage Offset Calculator
Use the calculator to see how quickly you could pay off your loan with an offset account.
Home loan calculators
Loan Repayment Calculator
Use this repayment calculator to understand how much your loan repayments might be.
Home loan calculators
Honeymoon Rate Loan Calculator
A honeymoon loan can help reduce your monthly repayments for a set term. Use this calculator to compare what your repayments would be compared to a variable loan.
Home loan calculators
Loan Comparison Calculator
Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.
Home loan calculators
Extra Mortgage Repayments Calculator
You could potentially save thousands of dollars and take years off your loan by making extra repayments. Let’s run the numbers.
Home loan calculators
Borrowing Calculator
Use the calculator to find out how much you could borrow.
Home loan calculators
Let’s chat today to find the right solution for you.
Let’s chat today to find the right solution for you. Whether it's your first home, a growing business, or a new vehicle, Gwen and the Ferns Finance team are here in Beenleigh, Logan, Scenic Rim, and on the Gold Coast to offer expert, obligation-free advice tailored to your goals.
Industry articles & insights from Ferns
The ATO Is Coming for Small Business Debt: Here's What You Need to Know Before 1 July 2026
The ATO is no longer being patient with unpaid tax debt and small businesses are carrying the bulk of the $50 billion it's chasing. With a stack of major changes hitting on 1 July 2026 (payday super, the closure of the ATO's clearing house, and the instant asset write-off deadline), now is the time to get your house in order. This article breaks down what's changing, what it costs to ignore it, and the practical steps you can take this week to protect yourself and your business.
ATO Debt Is Crushing Small Businesses Right Now. Here's How to Fight Back
Australian small businesses are facing the harshest ATO enforcement environment in over a decade and the cost of doing nothing has never been higher. This article breaks down what's changed, why ATO debt is now more dangerous and more expensive than most business owners realise, and how Ferns Finance Brokers can help you clear it with the right finance solution before enforcement escalates.
Government 0% Interest Business Loans Are Open Right Now!
The Federal Government has launched a $1 billion zero-interest loan scheme for Australian businesses impacted by the current fuel and supply chain crisis. Applications are open now through participating banks — but the window is only six months. Here's a plain-English breakdown of who qualifies, how much you can borrow, and what to do next.