CALCULATORS
Mortgage Repayment Calculator
Estimate your home loan repayments based on loan amount, interest rate, loan term and repayment type. Use this as a guide before buying, refinancing or reviewing your loan structure.
Key Takeaway
This calculator estimates repayments based on loan amount, interest rate and term. It does not include fees, offset balance changes or rate adjustments. Use it to compare scenarios before speaking with a broker
What This Calculator Shows
The mortgage repayment calculator estimates repayments based on your loan amount, interest rate, repayment type and loan term. It can help you compare repayment comfort before applying for a loan or reviewing an existing mortgage.
What Affects Repayments?
✓ Loan amount
✓ Interest rate
✓ Loan term
✓ Principal and interest vs interest-only
✓ Offset balance
✓ Fixed or variable rate
✓ Fees
✓ Extra repayments
✓ Loan structure
When To Use This Calculator
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Before Buying
Estimate repayments before making offers so you understand repayment comfort.
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Before Refinancing
Compare current repayments with possible new structures or interest rates.
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Before Investing
Estimate cash flow and repayment impact before buying an investment property.
Disclaimer: Calculator results are estimates only and are not loan approvals, quotes or financial advice. Actual results vary by lender, interest rate, fees, loan structure, income, expenses, property type and individual circumstances.
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Frequently Asked Questions
Does this calculator include fees?
No. It provides a repayment estimate only and may not include lender fees, package fees, government charges or other costs.
What is the difference between principal and interest and interest-only?
Principal and interest repayments reduce the loan balance over time. Interest-only repayments generally cover interest only for a set period.
Can repayments change?
Yes. Variable rates can change, and repayments may change after a fixed or interest-only period ends.
Should I use a shorter loan term?
A shorter loan term may reduce total interest but usually increases repayments. Suitability depends on your cash flow and goals.
Does an offset account reduce repayments?
An offset account may reduce interest charged, but repayments may not automatically reduce unless the lender recalculates them.
Want To Compare Repayment Options?
Book a strategy session and we’ll help compare repayments, structure, lender options and affordability.
Calculator results are estimates only and are not loan approvals, quotes or financial advice. Actual results vary by lender, interest rate, fees, loan structure, income, expenses, property type and individual circumstances.