Know Exactly What Your Mortgage Will Cost Each Month.
Your loan repayment is the regular amount you pay to your lender to cover both the interest charged and the gradual reduction of your loan principal. The size of your repayment depends on three things: the loan amount, the interest rate and the loan term. Small changes to any one of these can have a significant impact on what you pay each month and how much interest you pay over the life of the loan.
This calculator lets you model different scenarios — adjusting the loan amount, rate and term — so you can find a repayment structure that fits your budget. When you are ready to compare real loan products across 60+ lenders, our brokers will show you what is genuinely available for your situation.
For Any Borrower Who Wants to Understand Their Repayments Before They Commit
Whether you are planning your first purchase, comparing fixed and variable options, or modelling an investment property’s cash flow, this calculator is your starting point.
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What to Do Once You Have Your Repayment Estimate
Test Your Repayment Comfort
Compare your estimated repayment to your current rent or housing costs. If the repayment feels stretched, our brokers can explore longer loan terms, interest-only periods or lower-rate lenders to bring it within reach.
Model Rate Scenarios
Try the calculator with a rate 1–2% higher than current rates to stress-test your repayments. This helps you understand your buffer before committing to a loan amount.
Compare Fixed vs Variable
Run the calculator using both current fixed and variable rates to compare the monthly cost difference. Our brokers can then advise on which structure best suits your goals and risk tolerance.
Book a Free Call
Our brokers will model real repayment scenarios using live rates from 60+ lenders — finding the loan that fits your repayment budget and your long-term financial goals.
