A comprehensive tool for calculating Australian mortgage repayments, stamp duty, LVR, and first home buyer concessions across all states.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install aussie-mortgage-calc
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install aussie-mortgage-calc using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Aussie Mortgage Calculator?
The Aussie Mortgage Calculator is a specialized financial utility tailored for the Australian property market. It enables users and developers to programmatically estimate loan-to-value ratios (LVR), principal and interest (P&I) repayments, and interest-only costs. As a key component within Openclaw Skills, this tool simplifies the complexity of state-based taxes by providing up-to-date stamp duty tables and First Home Owner Grant (FHOG) eligibility criteria for every Australian state and territory.
Built to provide clarity for buyers and investors, the skill processes local financial variables such as annual interest rate buffers and Lenders Mortgage Insurance (LMI) tiers. Whether you are building a real estate platform or planning a personal purchase, this skill offers the technical precision needed to navigate the Australian lending landscape.
Aussie Mortgage Calculator Use Cases
- Estimating monthly mortgage repayments for properties in NSW, VIC, QLD, and other Australian states.
- Calculating upfront purchase costs including stamp duty and Lenders Mortgage Insurance (LMI).
- Determining eligibility for First Home Buyer concessions and grants based on state-specific property caps.
- Performing quick borrowing power assessments based on income-to-debt ratios.
How Aussie Mortgage Calculator Works
- The user inputs core financial data including property value, loan amount, and interest rate into the Openclaw Skills interface.
- The skill calculates the Loan to Value Ratio (LVR) to identify if the loan exceeds the 80% threshold for LMI.
- It references the current 2024-25 state-specific tax brackets to calculate precise stamp duty obligations.
- The logic processes First Home Buyer status to apply relevant exemptions or concessions based on the property location.
- The skill outputs a structured summary of monthly repayments, total upfront costs, and potential grant amounts.
Aussie Mortgage Calculator Setup
To integrate this skill into your environment, ensure you have the core framework installed. You can then reference the Aussie Mortgage Calculator within your local configuration.
# Example of how to structure the skill reference in your project
# No heavy external dependencies are required beyond the Openclaw environment
Aussie Mortgage Calculator Data Schema & Taxonomy
The skill organizes financial data using a standardized schema for Australian property transactions:
| Attribute | Description | Units |
|---|---|---|
| Property Value | The total purchase price of the asset | AUD |
| Loan Amount | The principal amount being borrowed | AUD |
| LVR | Calculated ratio of loan vs property value | Percentage |
| Stamp Duty | Calculated state tax based on 2024-25 rates | AUD |
| FHOG | First Home Owner Grant eligibility amount | AUD |
| Monthly Repayment | Estimated P&I or IO payment | AUD |
Aussie Mortgage Calculator Advanced Features
- Support for Interest Only (IO) vs Principal and Interest (P&I) repayment structures.
- Dynamic LMI estimation based on tiered LVR risk profiles (80% to 95%).
- Built-in borrowing power heuristics (5x to 6x annual income multipliers).
- Comprehensive coverage of all Australian states including NT and ACT specialized formulas.
SKILL.md
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