Tools

All-in-one calculator

Work out your repayment, how much faster extra repayments pay off your loan, what an offset could save, plus stamp duty and LMI, all in one place. Numbers are indicative, a broker will confirm the real figures for your situation.

Repayment

$
%
Repayment type
Monthly repayment (est.)
$3,833

Extra repayments, pay off faster

See how adding a little extra shortens your loan and cuts the interest you pay, using the loan, rate and term above.

$200
$0$2,000
Interest saved
$107,557
Time saved
3 years and 9 months
Without extra: 30 years and 1 monthWith extra: 26 years and 4 months

Offset savings

Money in an offset account reduces the balance you pay interest on, so your loan clears sooner without changing your repayment.

$25,000
$0$200,000
Interest saved
$112,453
Time saved
2 years and 6 months

Property costs

$
$
Buyer status
LVR
80.0%
Stamp duty (est.)
$43,070
LMI (est.)
$0

Stamp duty is an indicative first-home estimate for VIC, the exact figure depends on your full circumstances (concessions, surcharges, new vs established). Confirm with the VIC revenue office →

Usable equity

How much equity you may be able to access to refinance, renovate or invest.

$
$
70%80% typical90%
Usable equity (est.)
$220,000

Above 80% you may still access equity with LMI, a broker confirms your exact usable equity.

Save your results as a PDF

Download a snapshot of your numbers to keep or share. One of our brokers will follow up to help you make it real. No obligation.

Major lenders

as at 2026-09-17
Tap a lender to use its rate in the calculator

Indicative only and subject to change. Your rate depends on your full financial situation, our brokers will find the right fit for you.

Comparison rate disclaimer

Comparison Rates

The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For variable interest-only loans, comparison rates are based on an initial 5-year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees.
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided.

Why these numbers matter

Small rate changes stack up. See what switching from your current rate to a sharper one could save you.

$
%
%
Your estimated saving
$206 / month
≈ $74,200 over 30 years

Indicative only, principal & interest. A broker confirms the real figures for your situation.