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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.

Repayments

Term

Years

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

Repayments

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

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

$0.00

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

Debt Consolidation Calculator Icon

Debt Consolidation

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Loan Repayment

Budgeting Calculator Icon

Budgeting

Home Loan Calculator Icon

Home Loans

Credit Card Debt Calculator Icon

Credit Card Debt

Income Tax Calculator

Income Tax

Personal Loan Calculator Icon

Personal Loans

Car Loan Calculator Icon

Car Loans

Business Loan Calculator Icon

Business Loans

How Can We Assist You Today?

Business Debt Icon Business
Personal Debt Icon Personal
Please select an assistance option to continue.

Types Of Unsecured Debts

Credit Card Icon Credit/Store Cards
Personal Loan Icon Personal Loan
Pay Day Loan Icon Pay Day Loan
Tax Debt Icon Tax Debt
Disconnected Utility Bill Icon Utility Bill
Other Debts Icon Other
Please select at least one type of unsecured debt.

Your Business Structure

Sole Trader Icon Sole Trader
Partnership Icon Partnership
Company Icon Pty Ltd Company
Trust Icon Trust
Please select at business structure to continue.

Unsecured Debt Amount

$8,000
$1,000
$100,000+

Business Debt Amount

$100,000
$10,000
$1,000,000+

Take Back Control Today!

First Name

Last Name

Email

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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Congratulations

You've taken the first step to becoming debt free

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