Repayment calculator

Work out your home loan repayments

Plug in your loan amount, interest rate and term. See what you'd repay each week, fortnight or month.

Got questions? Free 15 min chat →

How much are you borrowing?

$50k$2.5m

At what interest rate?

1.00%12.00%

Over what term?

1 yr30 yrs

Making repayments?

Your repayments would be

per month

Principal Interest

Loan amount: $0
Total interest: $0
Total cost: $0

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Give us a call on 022 132 0373 and we'll run the numbers with you in a couple of minutes.

Please note: this calculator gives an indicative estimate only, based on the figures you enter, and does not constitute personalised financial advice. Your actual loan repayments may differ depending on your circumstances. For advice tailored to you, please get in touch with our team.

Worth knowing

The rate you pay isn't the rate you're tested on

Test rates

Banks assess whether you can afford repayments at a test rate, generally around 2.5% above the one year fixed rate, not the rate you'll actually pay.

DTI limits

Since July 2024, debt-to-income restrictions generally cap borrowing at around 6× gross income for owner-occupiers and 7× for investors.

Paying it off faster

Small increases add up. On a $560,000 loan at 4% over 30 years, lifting repayments from $2,674 to $3,000 a month clears it about five years early.

See all the common questions

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