Mortgage repayment calculator
See your repayment, the total interest, and what paying a little extra does to both.
Estimate only. Assumes the rate stays the same for the whole term and leaves out fees. It is not a quote or an offer of credit.
Reading the result
The repayment shown assumes one rate for the whole term. Real loans move, so treat it as a guide. Total interest is often the more useful figure: it shows what the loan costs you beyond the amount borrowed.
Small changes that add up
- An extra $100 a fortnight on a $550,000 loan cuts years off the term. Try it above.
- Fortnightly repayments of half the monthly amount make one extra monthly repayment each year.
- A rate 0.50% lower on $550,000 saves about $2,750 a year. Check whether you are paying a loyalty tax.
What a lender tests
Lenders don’t test you at the rate above. They add 3 percentage points. See repayments and the buffer rate.
General information, last updated November 2026. Scheme figures, lender policies and duty rates change, so confirm them before you rely on them.
Keep reading
Let’s talk about your next move
Twenty minutes on the phone. No documents and no sales pitch.