auto_awesome Australian Finance Solutions

Navigate Your
Financial Future

Precision tools for the modern Australian borrower. HEUS empowers you with clarity, insight, and confidence to make smarter financial decisions.

5 Powerful Calculators

100% Free to Use

calculate Quick Borrowing Check

Gross Annual Income $150,000

Monthly Liabilities $1,200

Estimated Capacity

$1,142,500

Monthly Repayment

$5,840

APRA Buffer: 9.0% Term: 30 Years Liability Rate: 3.8%

RESERVE BANK COMM BANK WESTPAC ANZ GLOBAL NAB CAPITAL MACQUARIE

RESERVE BANK COMM BANK WESTPAC ANZ GLOBAL NAB CAPITAL MACQUARIE

Financial Instruments

Advanced calculators designed for Australian home buyers and investors.

home

Home Loan Calculators

Mortgage repayment & affordability calculator with P&I, Interest-Only, offset accounts, and extra repayments.

account_balance_wallet

Affordability Calculator

Find out what you can comfortably repay. Supports owner-occupied & investment, with tax & negative gearing estimates.

Analysis Ready

credit_card

Credit Card Payoff

See how long it takes to pay off your card with Big 4 bank policies. Compare minimum vs. accelerated payments.

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Borrowing Power & Debt Impact

See the true cost of your current debt, the power of your savings, and your APRA-assessed borrowing capacity.

credit_score

Credit Card Borrowing Impact

Discover how your credit card limit silently reduces your home loan capacity using strict bank assessment formulas.

Your Finances,
Clearly Understood.

Start using HEUS calculators today — completely free, no sign-up required.

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Privacy Policy

Last Updated: Jan 2026

Welcome to Heus.pro ("Website"). This Privacy Policy explains how Heus Limited ("Company", "we", "us", or "our") collects, uses, discloses, and protects your personal information. By using this Website, you agree to the terms of this Privacy Policy.

1. About Heus Limited

Heus Limited is a company based in Hong Kong. We are committed to protecting your privacy and ensuring your data is handled securely and transparently. Contact us at soporte@heus.pro

2. Information We Collect

A. Information You Provide: Name, email, password for registration; billing and payment details; communications and feedback.

B. Automatically Collected: IP address, device type, browser details, usage data; cookies and tracking technologies.

C. Engagement Data: Feedback, surveys, and support interactions.

3. Legal Basis for Processing

We process data based on: consent, contractual necessity, legitimate interest, and legal compliance. This includes tailoring content, evaluating service performance, innovating features, analysing traffic and demographics, and resolving technical issues.

4. How We Use Your Information

To provide access to services; improve and personalise experience; communicate updates and support; fulfil legal obligations and prevent fraud.

5. Data Security & Retention

We take necessary precautions to secure your data from unauthorised access, misuse, or disclosure. Personal information is retained only as long as necessary for service delivery, legal compliance, and dispute resolution.

6. International Data Transfers

If your personal data is transferred outside of Hong Kong, we ensure adequate safeguards are in place, including contractual clauses or reliance on jurisdictions with strong data protection laws.

7. Your Rights & Choices

Depending on applicable laws, you may: access, update, or delete your data; opt-out of marketing; restrict or object to processing; request data portability. Contact soporte@heus.pro to exercise these rights.

8. Third-Party Services

Our Website may reference third-party services, brokers, or platforms. Heus Limited does not control or guarantee these services. You are responsible for independent research. We may receive compensation for endorsements.

9. Other Websites & Services

We are not responsible for external websites linked to or from our platform. Our Privacy Policy does not apply to third-party websites.

10. Children's Privacy

Our services are not intended for individuals under 18. If we learn we have collected data from a minor, we will delete it.

11. Cookies & Tracking

We use essential cookies (for functionality), performance cookies (for analytics), and advertising cookies (for relevant ads). You can manage preferences through browser settings.

12. Governing Law

This Privacy Policy shall be governed by the laws of Hong Kong. Disputes shall be resolved through binding arbitration in Hong Kong. Each party bears their own costs.

13. Changes to This Policy

We reserve the right to update this Privacy Policy. Significant changes will be notified via email or Website notice.

14. Contact

For questions, contact soporte@heus.pro

By using our website and material, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

© 2026 HEUS Limited

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Terms & Conditions

Last Updated: Jan 2026

Welcome to Heus.pro ("Website"). By accessing or using this Website and its services, you agree to be bound by these Terms and Conditions. This Website is owned and operated by Heus Limited, a company based in Suit C, Level 7 World Trust Tower 50 Stanley Street, Hong Kong.

1. No Financial Advice Disclaimer

All content is for informational and educational purposes only. Heus.pro does not provide financial, investment, tax, or legal advice. The Website does not offer personalised recommendations. Consult a licensed professional before making investment decisions. Trading involves risks.

2. No Fiduciary Relationship

Your use of this Website does not create a fiduciary relationship. We are not responsible for making financial decisions on your behalf.

3. No Liability for Losses

The Company shall not be responsible for any financial losses, damages, or liabilities incurred from using this Website. You assume full responsibility for your decisions.

4. No Guarantee of Results

The Company does not guarantee any specific outcomes, including profits, returns, or financial improvements. Past performance is not indicative of future results.

5. Endorsement of Brokers and Third-Party Services

The Company does not control third-party services. Engagement is at your own risk. You are responsible for your own research and due diligence. The Company may receive compensation from endorsed services. Endorsement does not imply ongoing monitoring or guarantee of performance.

6. Intellectual Property Rights

All content is the intellectual property of Heus.pro and is protected by copyright laws. Users may not copy, distribute, resell, or reproduce materials without written permission.

7. Refund Policy

Refunds available within 7 days of purchase, provided significant portion has not been consumed. After this period, all sales are final. Requests must be submitted to soporte@heus.pro. Chargeback fraud will be contested. The Company reserves the right to refuse service.

8. Governing Law & Dispute Resolution

Governed by the laws of Hong Kong. Disputes resolved through binding arbitration via HKIAC in English. Both parties waive right to trial by jury or class-action. Each party bears its own costs.

9. Changes to These Terms

We may modify these Terms at any time. Continued use constitutes acceptance. Significant changes notified via email or Website notice.

10. No Warranties & Limitation of Liability

Services provided "as is" without warranties. The Company disclaims all warranties including merchantability and fitness for purpose. Not liable for indirect, incidental, punitive, or consequential damages. We do not guarantee the site will be secure or free from malware. You must not introduce viruses or attempt unauthorised access.

11. Indemnification

You agree to indemnify and hold harmless The Company from claims arising from your use of the Website, violation of these Terms, or disputes related to third-party services.

12. Contact

Questions about these Terms: soporte@heus.pro

By using this Website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

© 2026 HEUS Limited

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Acceptable Use Policy

Last Updated: Jan 2026

This Acceptable Use Policy sets forth guidelines for using the Heus.pro website and services provided by Heus Limited. By accessing or using our services, you agree to comply with this Policy.

1. Prohibited Activities

You may not use our website in any way that: violates laws or regulations; engages in fraud or deception; promotes illegal financial activities; infringes intellectual property; distributes malware; attempts unauthorised access; engages in hacking, phishing, or scraping; harasses or threatens others; sends spam or unsolicited marketing; circumvents security measures; or disrupts service operation.

2. Financial and Trading Restrictions

Heus Limited does not provide financial advice or manage funds. Users must conduct independent research, acknowledge we are not liable for trading losses, refrain from misrepresenting our content as financial advisory, and understand that all trading involves risk.

3. User Responsibilities

Provide truthful information; use the Website for its intended purpose; protect account credentials; do not share premium content access; comply with all applicable laws and ethical guidelines.

4. Third-Party Services & Endorsements

Heus Limited does not monitor, control, or guarantee third-party services. Endorsement does not imply ongoing monitoring. You assume all risks when engaging with third-party platforms.

5. Intellectual Property & Content Use

All content is owned by Heus Limited or its licensors. You may not copy, distribute, or reproduce content without written permission. Unauthorised use may result in legal action.

6. User-Generated Content

You are responsible for ensuring submitted content does not violate laws. Heus Limited may remove inappropriate or unlawful content. Users must not upload defamatory, obscene, or misleading content.

7. Prohibited Commercial Use

Unauthorised reselling, advertising, or data scraping for commercial gain is strictly prohibited.

8. No Automated Access

Users may not use bots, scrapers, or automated tools to access or extract data from our website.

9-10. Legal Compliance & User Liability

Heus Limited reserves the right to cooperate with law enforcement. Users assume full responsibility for damages caused by misuse of the platform.

11. Consequences of Violations

Violations may result in: immediate suspension or termination; legal action including damages; reporting to authorities; blocking access.

12-14. Modifications & Reporting

We may update this Policy at any time. Report violations to soporte@heus.pro. Changes communicated via email or Website notice.

15. Contact

For questions: soporte@heus.pro

By using Heus.pro, you confirm that you have read, understood, and agreed to this Acceptable Use Policy.

© 2026 HEUS Limited