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How Much is Your Home Loan Costing You?

Sinking into mortgage debt? Unsure how much interest you’re paying on your home loan? If you are thinking about refinancing your mortgage for a better interest rate, our Home Loan Calculator can help.

Loan Amount


Enter the amount you would like to borrow.




How many years do you want to take to repay the loan?

Interest Rate


You can increase or decrease the interest rate to understand the affect on your repayments and total interest.

Repayment Type

Extra Repayment


Enter the extra amount you plan to make for every repayment


Offset Account


Enter the amount in the account you wish to use to offset your interest payments.

Lump Sum


Enter the lump sum about you plan to make against the loan.

Lump Sum Year


Enter the year you plan to make the lump sum payment.

Make Extra Payments

Regular Repayment

$0.00 per Month at 0% p.a.

Total Interest

$0.00 over 0 years

Interest Saved


Time Saved

0 years 0 months

Struggling to pay back your debts? We may have the solution!

Home Loan Tips

Use a 100% Offset Account

Placing your savings into a home loan offset account will reduce the interest payable against your loan. For example, if your loan is $400,000 and you have $50,000 in your offset account, you will only be paying interest on $350,000.

Repay Principal and Interest

Many lenders offer you the chance to pay just the interest on a home loan. But if you only pay the interest, you don’t put any dents into the loan principal. A principal and interest loan allows you to start repaying the principal straight away.

Split Your Repayments

Make repayments every two weeks, not monthly. A monthly repayment schedule means you’ll make 12 repayments a year, whereas a fortnightly schedule means you’ll make 26 repayments, making one extra full repayment each year.

Consolidate Personal Debts

Generally speaking, interest rates on unsecured debts are much higher than your home loan. Consolidating your unsecured debts into your home loan means you’ll pay a lower interest rate and have more money available to pay off your home loan.

Check Out Our Debt Calculators

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How Can We Assist You Today?

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Unsecured Debt Amount


Your Business Structure

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Please select at business structure to continue.

Business Debt Amount


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First Name

Last Name


Phone Number

Phone number must be 10-digits long and begin with a 0. (e.g. 04 1234 5678)

Post Code

Post code must be 4-digits long (e.g. 4567)

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