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Aussie Mortgage Calc
作者
tianshizhimao-sudo
· GitHub ↗
· v1.1.0
2597
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4
当前安装
9
版本数
在 OpenClaw 中安装
/install aussie-mortgage-calc
功能描述
Australian mortgage calculator — LVR, stamp duty, LMI, repayments, and First Home Buyer concessions by state.
使用说明 (SKILL.md)
Australian Mortgage Calculator
Comprehensive mortgage calculations for Australian property buyers. All amounts in AUD.
Quick Calculations
LVR (Loan to Value Ratio)
LVR = (Loan Amount / Property Value) × 100
Example:
- Property: $800,000
- Loan: $640,000
- LVR: 80%
Monthly Repayment (P&I)
M = P × [r(1+r)^n] / [(1+r)^n – 1]
Where:
- P = Principal (loan amount)
- r = Monthly interest rate (annual rate / 12)
- n = Total months (loan term × 12)
Example: $500,000 loan at 6.5% over 30 years
- Monthly rate: 0.065/12 = 0.00542
- Months: 360
- Monthly repayment: $3,160
Interest Only Repayment
Monthly IO = Principal × (Annual Rate / 12)
Example: $500,000 at 6.5%
- Monthly IO: $2,708
Stamp Duty by State (2024-25)
NSW (New South Wales)
| Property Value | Duty Rate |
|---|---|
| $0 – $16,000 | 1.25% |
| $16,001 – $35,000 | $200 + 1.50% of excess |
| $35,001 – $93,000 | $485 + 1.75% of excess |
| $93,001 – $351,000 | $1,500 + 3.50% of excess |
| $351,001 – $1,168,000 | $10,530 + 4.50% of excess |
| Over $1,168,000 | $47,295 + 5.50% of excess |
First Home Buyer: Full exemption up to $800,000; concession $800,001-$1,000,000
VIC (Victoria)
| Property Value | Duty Rate |
|---|---|
| $0 – $25,000 | 1.4% |
| $25,001 – $130,000 | $350 + 2.4% of excess |
| $130,001 – $960,000 | $2,870 + 6.0% of excess |
| Over $960,000 | 5.5% flat |
First Home Buyer: Full exemption up to $600,000; concession $600,001-$750,000
QLD (Queensland)
| Property Value | Duty Rate |
|---|---|
| $0 – $350,000 | 1.0% (min $0) |
| $350,001 – $540,000 | $3,500 + 3.5% of excess |
| $540,001 – $1,000,000 | $10,150 + 4.5% of excess |
| Over $1,000,000 | $30,850 + 5.75% of excess |
First Home Buyer: Full exemption up to $700,000 (for new homes); concession for established
WA (Western Australia)
| Property Value | Duty Rate |
|---|---|
| $0 – $120,000 | 1.9% |
| $120,001 – $150,000 | $2,280 + 2.85% of excess |
| $150,001 – $360,000 | $3,135 + 3.80% of excess |
| $360,001 – $725,000 | $11,115 + 4.75% of excess |
| Over $725,000 | $28,453 + 5.15% of excess |
First Home Buyer: Full exemption up to $430,000; concession $430,001-$530,000
SA (South Australia)
| Property Value | Duty Rate |
|---|---|
| $0 – $12,000 | 1.0% |
| $12,001 – $30,000 | $120 + 2.0% of excess |
| $30,001 – $50,000 | $480 + 3.0% of excess |
| $50,001 – $100,000 | $1,080 + 3.5% of excess |
| $100,001 – $200,000 | $2,830 + 4.0% of excess |
| $200,001 – $250,000 | $6,830 + 4.25% of excess |
| $250,001 – $300,000 | $8,955 + 4.75% of excess |
| $300,001 – $500,000 | $11,330 + 5.0% of excess |
| Over $500,000 | $21,330 + 5.5% of excess |
First Home Buyer: No stamp duty for properties up to $650,000 (eligible buyers)
TAS (Tasmania)
| Property Value | Duty Rate |
|---|---|
| $0 – $3,000 | $50 |
| $3,001 – $25,000 | $50 + 1.75% of excess |
| $25,001 – $75,000 | $435 + 2.25% of excess |
| $75,001 – $200,000 | $1,560 + 3.50% of excess |
| $200,001 – $375,000 | $5,935 + 4.00% of excess |
| $375,001 – $725,000 | $12,935 + 4.25% of excess |
| Over $725,000 | $27,810 + 4.50% of excess |
First Home Buyer: 50% duty discount for properties up to $600,000
NT (Northern Territory)
| Property Value | Duty Rate |
|---|---|
| $0 – $525,000 | V = 0.06571441 × V^2 ÷ 1000 |
| Over $525,000 | 5.45% flat minus $4,823.45 |
First Home Buyer: Up to $18,601 discount for properties under $650,000
ACT (Australian Capital Territory)
| Property Value | Duty Rate |
|---|---|
| $0 – $260,000 | $0.60 per $100 or part |
| $260,001 – $300,000 | $1,560 + $2.20 per $100 |
| $300,001 – $500,000 | $2,440 + $3.40 per $100 |
| $500,001 – $750,000 | $9,240 + $4.32 per $100 |
| $750,001 – $1,000,000 | $20,040 + $5.90 per $100 |
| $1,000,001 – $1,455,000 | $34,790 + $6.40 per $100 |
| Over $1,455,000 | $63,910 + $4.54 per $100 |
First Home Buyer: Full exemption up to $1,000,000 (income-tested)
LMI (Lenders Mortgage Insurance)
LMI is required when LVR > 80%. Estimated rates:
| LVR | LMI as % of Loan |
|---|---|
| 80.01% – 85% | 0.5% – 1.0% |
| 85.01% – 90% | 1.5% – 2.5% |
| 90.01% – 95% | 3.0% – 4.5% |
Example: $600,000 loan at 90% LVR
- LMI estimate: ~$12,000 – $15,000 (can be added to loan)
Note: Actual LMI varies by lender, LVR tier, loan amount, and borrower profile. Use lender calculators for exact quotes.
First Home Owner Grant (FHOG)
| State | Grant Amount | Property Cap |
|---|---|---|
| NSW | $10,000 | $600,000 (new homes only) |
| VIC | $10,000 | $750,000 (regional: higher) |
| QLD | $30,000 | $750,000 (new homes only) |
| WA | $10,000 | $750,000 (new homes) |
| SA | $15,000 | $650,000 (new homes only) |
| TAS | $30,000 | $600,000 (new homes only) |
| NT | $10,000 | No cap (new homes) |
| ACT | Abolished | — |
Borrowing Power (Quick Estimate)
Basic rule of thumb:
Max Borrowing ≈ (Annual Income × 6) – Existing Debts
More conservative:
Max Borrowing ≈ (Annual Income × 5) – Existing Debts
Factors affecting actual borrowing power:
- Income type (PAYG vs self-employed)
- Existing debts (credit cards, HECS, car loans)
- Living expenses (HEM benchmark)
- Interest rate buffer (usually +3%)
- Dependents
Key Contacts
- Revenue NSW: revenue.nsw.gov.au
- State Revenue Victoria: sro.vic.gov.au
- Queensland Treasury: qld.gov.au/housing
- WA RevenueWA: wa.gov.au/revenuelicensing
- RevenueSA: revenuesa.sa.gov.au
- Tasmania State Revenue: treasury.tas.gov.au
- NT Treasury: treasury.nt.gov.au
- ACT Revenue: revenue.act.gov.au
Disclaimer
This skill provides estimates for educational purposes only. Stamp duty rates, concessions, and grants change periodically. Always verify with official state revenue offices and consult a qualified mortgage broker or financial advisor before making property decisions.
Built by Oney & Co — Helping Australians navigate lending with clarity.
安全使用建议
This skill appears coherent and low-risk: it only provides formulas and state-specific rates and does not request credentials or install code. Before relying on results, verify key rates/thresholds against the official state revenue sites linked in the SKILL.md (stamp duty and FHOG change over time). Avoid pasting highly sensitive personal data (full IDs, bank account numbers) into any skill input. If you want automated quoting or lender-specific calculations, prefer a vetted official tool or service that requires explicit, minimal credentials rather than adding networked skills.
功能分析
Type: OpenClaw Skill
Name: aussie-mortgage-calc
Version: 1.1.0
The skill bundle contains only metadata and a markdown file with informational content about Australian mortgage calculations. There is no executable code, no instructions for the AI agent beyond presenting the information, and no evidence of data exfiltration, malicious execution, persistence, or prompt injection attempts. All URLs provided are for informational purposes (e.g., government revenue offices, the developer's homepage) and are not used in a malicious context.
能力评估
Purpose & Capability
The name/description (Australian mortgage calculations) match the SKILL.md content (LVR, repayments, stamp duty by state, LMI, FHOG, borrowing heuristics). There are no unrelated required env vars, binaries, or config paths.
Instruction Scope
SKILL.md is purely descriptive: formulas, tables, examples, and links to official state revenue sites. It does not instruct the agent to read files, call external endpoints, or exfiltrate data. Note: tax/stamp-duty numbers are labeled 2024–25 and could become out of date — accuracy is a non-security concern but relevant for correctness.
Install Mechanism
No install spec and no code files are present — lowest-risk posture (nothing is written to disk or installed).
Credentials
No environment variables, credentials, or config paths are requested. The skill does not require access to secrets or external services.
Persistence & Privilege
always is false and there are no install actions that would persist state or modify other skills. The skill can be invoked by the agent (default), which is normal and acceptable given its limited scope.
如何使用
- 确保已安装 OpenClaw（本地或 Docker 部署）
- 在对话框中输入安装命令：
/install aussie-mortgage-calc - 安装完成后，直接呼叫该 Skill 的名称或使用
/aussie-mortgage-calc触发 - 根据 Skill 的参数说明提供必要输入，即可获得结构化输出
版本历史
v1.1.0
- Major update: SKILL.md expanded to include comprehensive explanations and up-to-date rates for all calculator components.
- Added detailed calculation formulas for LVR, stamp duty (by state), LMI, monthly and interest-only repayments.
- Included First Home Buyer concessions and First Home Owner Grant tables for all states and territories.
- Provided latest (2024-25) stamp duty brackets and eligibility summaries by jurisdiction.
- Added contact links to state revenue offices, plus new disclaimer and lending guidance.
- All figures now explicitly in AUD and reflect current government thresholds.
v1.0.3
- Removed the `metadata` section from the SKILL.md file.
- No other content changes; all feature details and calculations remain the same.
v1.0.2
No user-facing changes in this release.
- No file changes detected from the previous version.
v1.0.1
- Major update: Complete rewrite of documentation for broader audience, with more examples, rates, and explanations.
- Expanded details on LVR, monthly and IO repayments, LMI estimates, and borrowing power rules of thumb.
- Comprehensive 2024–25 stamp duty tables, exemptions, and First Home Buyer benefits for all Australian states and territories.
- Removed CLI usage instructions and command documentation; focuses now on formulae, guides, and practical info.
- Added lender/state revenue office links and a clear disclaimer.
- Two files removed: calculator.js, package.json.
v1.0.0
Australian mortgage calculator - LVR, stamp duty, LMI, repayments for brokers
v0.2.1
- No changes detected in this release.
- Functionality and documentation remain unchanged from the previous version.
v0.2.0
Australian mortgage calculator - LVR, Stamp Duty, LMI, Repayments
v0.1.1
Fix publish - initial release
v0.1.0
Initial release — LVR, Stamp Duty (NSW/VIC/QLD), LMI, Repayment Calculator
元数据
常见问题
Aussie Mortgage Calc 是什么？
Australian mortgage calculator — LVR, stamp duty, LMI, repayments, and First Home Buyer concessions by state. 它是一个面向 Claude Code / OpenClaw 的 AI Agent Skill 插件，目前累计下载 2597 次。
如何安装 Aussie Mortgage Calc？
在 OpenClaw 或 Claude Code 对话框中运行命令「/install aussie-mortgage-calc」即可一键安装，无需额外配置。
Aussie Mortgage Calc 是免费的吗？
是的，Aussie Mortgage Calc 完全免费（开源免费），可自由下载、安装和使用。
Aussie Mortgage Calc 支持哪些平台？
Aussie Mortgage Calc 跨平台运行，可在任意部署了 OpenClaw / Claude Code 的环境中使用（cross-platform）。
谁开发了 Aussie Mortgage Calc？
由 tianshizhimao-sudo（@tianshizhimao-sudo）开发并维护，当前版本 v1.1.0。
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