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Estimate your monthly home loan repayment based on loan amount, interest rate, and loan term — then get a free, no-obligation review from our brokers.
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This is a guide estimate based on the rate and term you entered. Want us to find you a sharper rate — free, no obligation?
Guide estimate only. Assumes the same fixed rate applies for the full loan term — in practice, lenders often charge a higher rate for an interest-only period than for principal & interest, so actual interest-only repayments may be higher than shown. If you've selected an interest-only period, the loan term itself isn't extended — principal & interest repayments apply for whatever term is left once it ends. Actual repayments vary with rate changes, fees, and lender policy. Does not constitute financial advice.
A repayment figure is the start of the conversation, not the end of it. Here's what happens next.
See why clients work with us →"We refinanced with Sam's help and saved over $400 per month. The whole process was seamless — Sam explained every option clearly and never pushed us toward anything that wasn't right for us."
"Sam talked us through fixed vs variable before we locked in our rate — six months later when rates moved, we were relieved we'd asked the right questions instead of guessing."
This calculator assumes a fixed rate for the full loan term and principal & interest repayments — it doesn't account for lender fees, offset account behaviour, extra repayments, or redraw. It also doesn't include the LMI premium if you're borrowing above 80% of the property value (use our LMI Calculator for that). It's a starting point, not a loan contract.
Re-run the calculator with a higher rate to see the difference — even a 0.5% move can shift your monthly repayment meaningfully on a 30-year loan. If you're worried about rate movements, ask us about fixed-rate or split-loan options when you book a call.
Yes — fixed and variable loans are priced differently, and the right structure depends on your situation and risk appetite. This calculator gives you the math for whatever rate you enter; the harder question of which structure suits you is exactly what a 15-minute call with Sam is for.