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Set your baseline
Enter the loan amount, interest rate and term to estimate your regular repayments.
Home loan calculator
Loan Repayment Calculator
Estimate your home loan repayments, compare different loan scenarios and see how the rate, term and loan amount affect your budget.
Calculate your repayments ↓Loan Repayment Calculator
Adjust the loan amount, interest rate and term to estimate your home loan repayments.
Your result is a starting point. We can help you understand what it means for you.
Your repayment picture
See what the loan may cost each month
Use the estimate as a practical starting point, then compare how different rates, loan terms and structures may change both your repayments and total interest.
Test scenarios
Adjust the rate or term to see how a different loan structure could affect your monthly budget.
Look beyond today
Compare repayment comfort now with the total interest you may pay over the life of the loan.
Worth knowing
The repayment shown is an estimate
Actual repayments can vary with the lender, product, repayment frequency, fees, rate changes and whether interest is calculated daily.
A lower repayment is not always the lowest-cost option. A mortgage broker can help compare the wider loan structure as well as the headline rate.
Frequently asked
Loan repayments, explained
Short answers to common questions that arise when comparing repayment scenarios.
What affects my home loan repayments?+
Your repayments are mainly shaped by the loan balance, interest rate, loan term, repayment type and repayment frequency. Fees and future rate changes may also affect the overall cost.
Are principal and interest repayments different from interest-only?+
Yes. Principal and interest repayments reduce the loan balance over time. Interest-only repayments generally cover only interest for an agreed period, after which repayments may increase.
Does a longer loan term reduce repayments?+
A longer term can reduce the regular repayment, but it may increase the total interest paid over the life of the loan. Both affordability and total cost deserve consideration.
Ready for context?
Turn the estimate into a clearer loan comparison
Talk with us about what the repayment scenarios could mean for your budget and borrowing strategy.
