Mortgage Repayment Calculator
Want to understand what your mortgage repayments could look like? Our mortgage repayment calculator makes it easy to estimate your payments based on your loan amount, interest rate, and loan term. Whether you’re buying your first home, refinancing, or investing, this tool gives you a clear picture of your expected costs. It also helps you compare repayment options and explore how different loan terms affect your monthly budget.
Estimate your mortgage repayments
Use the calculator below to enter your loan details and view your estimated repayments.
Why Use a Mortgage Repayment Calculator?
Planning a home loan is easier when you know what your repayments will look like. A mortgage repayment calculator helps you make smarter, more confident decisions.
Get Clear Repayment Estimates
Instantly see what your repayments will be based on the loan amount, interest rate, and loan term you choose.
Compare Repayment Frequencies
Find out how your repayments change if you pay weekly, fortnightly, or monthly — and which may save you more over time.
Adjust for Interest Rate Changes
Test how your repayments would change if rates go up or down, helping you plan ahead.
Explore Different Loan Scenarios
Model different repayment terms — like 25 vs 30 years — and understand their impact on your budget and total interest paid.
Plan With Confidence
Knowing what to expect helps you plan your budget, avoid financial stress, and feel more confident about your home loan.
Speak to a Mortgage Expert When You’re Ready
If you want tailored guidance, our we are here to help with borrowing power, pre-approval, and choosing the right lender.
Frequently asked questions about the property buying cost calculator
What does the mortgage repayment calculator do?
It estimates your home loan repayments based on the amount you borrow, your interest rate, the length of your loan, and your preferred repayment frequency.
Is this calculator for principal & interest or interest-only loans?
This calculator shows principal and interest repayments. If you’re looking for interest-only estimates, speak to our brokers for a custom plan.
Can I use this to compare weekly, fortnightly, and monthly payments?
Yes — the calculator shows all three, so you can decide what fits best with your cash flow.
Does it include fees or offset account benefits?
This tool focuses on standard repayments. Use our extra repayment or offset calculator to explore those savings separately.
What if I don’t know my exact interest rate?
No problem — you can enter an estimated rate to get started. We can also help you review current lender options based on your goals.
Want a Personalised Mortgage Repayment Plan?
Whether you’re a first home buyer, upgrading, or looking to refinance, we can help. Our mortgage brokers will assess your borrowing power, explain your repayment options, and guide you toward the right home loan for your needs.
