Australian home loans · Web application
An Australian home loan tracker for your mortgage payments, equity and repayment plans. Record changes over time and explore your next move.
For desktop, laptop and tablet. Estimates may differ from lender calculations.
See principal, interest, balance, rate changes and payment status across your mortgage schedule.
Record redraw transactions and keep changes to your mortgage balance reflected in your ongoing loan history.
Reconcile your mortgage with your lender by recording balance adjustments when the real loan balance changes.
01 / Track your mortgage
See your balance and next payment, record payments, and keep up with interest-rate and balance changes. Review equity, property valuation, LVR and payment breakdowns together.
Find your plan ↗
02 / Explore your options
Compare extra repayments, lump sums, biweekly payments and offsets. Explore estimated effects on interest and payoff timing with Pro and Multi-Property.
Find your plan ↗
03 / The costs behind your property
Record loan costs alongside ongoing property expenses. Review recurring costs and paid or unpaid status, with property expense tools in Pro and Multi-Property.
04 / Understand a change
Explore interest-rate sensitivity and refinance analysis. Review estimated repayments, refinancing costs and break-even timing alongside your assumptions.
Explore analysis tools →
05 / A wider perspective
Track up to 10 properties with Multi-Property. Review portfolio value and equity, then explore investment performance and cash flow alongside mortgage payments and expenses.
Find your plan ↗
06 / From insights to reports
Review financial reports and export PDFs with Pro and Multi-Property. Compare properties with the Multi-Property plan.
Start with a question
Explore estimated stamp duty for an Australian property purchase.
Explore estimated purchase duty.
Choose your plan
Start with one mortgage. Add planning tools or a portfolio view as your needs grow.
MortgageMateAU
For occasional home loan analysis
Most Popular
For serious home owners
MortgageMateAU
For property investors
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| Feature | Basic | Pro | Multi-Property |
|---|---|---|---|
| Basic Features | |||
| Comprehensive Dashboard | ✓ | ✓ | ✓ |
| Single Mortgage Tracking | ✓ | ✓ | ✓ |
| Offset Account Balance Tracking | ✓ | ✓ | ✓ |
| Real-Time Amortization Schedule | ✓ | ✓ | ✓ |
| Interest Rate Change Tracking | ✓ | ✓ | ✓ |
| Balance Adjustments | ✓ | ✓ | ✓ |
| Payment Frequency Changes | ✓ | ✓ | ✓ |
| Redraw Facility Tracking | ✓ | ✓ | ✓ |
| Principal & Interest or Interest-Only Loans | ✓ | ✓ | ✓ |
| Owner-Occupied or Investment Loan Support | ✓ | ✓ | ✓ |
| LMI Calculator & Capitalisation | ✓ | ✓ | ✓ |
| Government Guarantee Scheme Support | ✓ | ✓ | ✓ |
| Loan Expense Tracking | ✓ | ✓ | ✓ |
| Quick-Add Loan Expense Presets | ✓ | ✓ | ✓ |
| Milestone Progress Tracker | ✓ | ✓ | ✓ |
| Email Support | ✓ | ✓ | ✓ |
| Pro Features | |||
| Property Expense Tracking | — | ✓ | ✓ |
| Quick-Add Property Expense Presets | — | ✓ | ✓ |
| Expense Recurrence & Frequency | — | ✓ | ✓ |
| Paid/Unpaid Expense Status | — | ✓ | ✓ |
| Print/Download PDF Reports | — | ✓ | ✓ |
| Advanced Mortgage Analysis | — | ✓ | ✓ |
| – Interest Rate Sensitivity | — | ✓ | ✓ |
| – Equity Growth Projection | — | ✓ | ✓ |
| – Refinance Analysis | — | ✓ | ✓ |
| – Early Payoff Analysis | — | ✓ | ✓ |
| – Target Payoff Planner | — | ✓ | ✓ |
| Payoff Strategies Simulator Page | — | ✓ | ✓ |
| – Bi-Weekly Payment Simulation | — | ✓ | ✓ |
| – Extra Payment Simulation | — | ✓ | ✓ |
| – Lump Sum Payment Simulation | — | ✓ | ✓ |
| – Offset Account Simulation | — | ✓ | ✓ |
| Visual Comparisons (Charts & Graphs) | — | ✓ | ✓ |
| Advanced Financial Reporting | — | ✓ | ✓ |
| Multi-Property Features | |||
| Multiple Property Support (up to 10) | — | — | ✓ |
| Portfolio Analysis & Reporting | — | — | ✓ |
| Portfolio Cash Flow, Value, Equity, LTV | — | — | ✓ |
| Income Tracking, Comparison Reports | — | — | ✓ |
| Advanced Investment Analytics | — | — | ✓ |
Customer experiences
It's absolutely amazing! There's nothing else like this out there. You need to get this out to people—everyone should see this.
MortgageMateAU changed how I manage my home loan. Being able to see exactly how my extra payments impact my loan term and interest has motivated me to pay it off years earlier than expected.
The offset account visualization is brilliant! I can finally see in real-time how my savings are reducing my interest. The app has helped me optimize my financial strategy and save thousands.
After trying multiple mortgage calculators, I finally found MortgageMateAU. The difference is night and day. This tracks my actual payments and gives me a realistic picture of my mortgage journey.
Australian mortgage essentials
Useful context for tracking repayments, comparing scenarios and reviewing your mortgage over time.
Your loan amount, interest rate, term and repayment frequency shape your repayments. Keep those assumptions in view when comparing home loan estimates.
Read the Australian mortgage guide ↗Explore regular extra repayments, a lump sum or an offset balance. Compare estimated outcomes and check your lender’s fees, conditions and payment limits.
Explore mortgage articles ↗A calculator explores a set of assumptions. Mortgage tracking adds a record of payments, rate changes and balance adjustments as your loan evolves.
See the tracking tools ↗Our mobile app · Android
Mortgage tracking and planning,
in your hand.
Our separate mobile app for Australia, New Zealand, the United States, Canada and the United Kingdom.
Separate from MortgageMateAU. No syncing between the apps.
A few useful answers
MortgageMateAU combines repayment planning with a record of your mortgage, payments, balance and changes over time.
The Multi-Property plan supports up to 10 properties, portfolio reporting and investment analytics.
Pro and Multi-Property include extra payment, lump sum, biweekly and offset strategy simulations. Results are estimates, not guaranteed savings.
The existing web product is intended for desktop, laptop or tablet. MortgageMatePro is a separate Android app.
MortgageMateAU
Educational planning tools. Not personal financial advice.
