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Master Your Mortgage Repayments

Understanding mortgage repayments is the foundation of smart home buying. Our tools help you:

💰 Budget Planning

Determine exactly what you can afford before house hunting

📅 Financial Forecasting

See how loan repayments fit with your lifestyle costs

✨ Advanced Calculator Features

Our industry-leading calculator reveals how small changes create big savings:

  • Test extra repayment scenarios to shave years off your loan
  • Compare weekly vs monthly payment impacts
  • See exactly how much interest you'll save over the loan term

"A 5-minute calculation today could save you $50,000+ over your mortgage"

Home Loan Repayment Calculator

How to Calculate Mortgage Repayments

To use our mortgage repayment calculator, gather these four key details:

  • Property Value: The home's purchase price
  • Loan Amount: How much you'll borrow
  • Interest Rate: Select our lowest panel rate if unsure
  • Loan Term: Typically 25-30 years

No exact figures? Use estimates in our mortgage repayment calculator for a general repayment estimate.

The Power of Extra Repayments

Our calculator shows how extra repayments can accelerate your loan payoff:

  • Enter your base loan details
  • Click + Extra Repayment
  • See how even small amounts reduce loan terms and interest

Repayment Frequency Matters

More frequent repayments = less interest paid overall. Match payments to your income cycle:

Weekly
52 payments/year
Fortnightly
26 payments/year
Monthly
12 payments/year

Pro Tip:

Compare principal & interest vs interest-only loans using our calculator's toggle feature.