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Home Loan Calculator

See your estimated repayments per week/fortnight/month.
$
%
years
$
In Advance In Arrears
$156.52
$10,694.88
$60,694.88

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Compare home loans with rates starting at 5.14% p.a. (comparison rate 5.15% p.a.) Instantly check your eligibility with over 50 lenders online.

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About our Home Loan Calculator

How to Use the Mortgage Calculator
  1. Enter the home price, loan term, and interest rate.
  2. Adjust the down payment and credit score for a tailored estimate.
  3. Review the results to understand your monthly mortgage payments.
  • Loan Amount & Interest Rate – Higher amounts and rates increase payments.
  • Deposit – A larger down payment reduces loan size and may eliminate PMI.
  • Credit Score – Better credit scores often secure lower rates.
  • Location – Mortgage rates vary by area.
  • Loan Type – Fixed-rate, adjustable-rate, and larger loans have different structures.

Different Borrower Types:

There are several different types of property loans, and each different product will generally come with different rates. Here are the main categories:

  • Investor – Loans taken out to buy investment properties
  • Owner / Occupier – Loans taken out to buy a home to live in
  • Commercial – Loans taken out to buy property intended for commercial use
Interest on a home loan in Australia is typically calculated daily and charged monthly. That means your lender works out the interest based on the balance you owe each day, then totals it up at the end of the month. So, the more you pay off (and the sooner you do it), the less interest you’ll pay overall. This is why making extra repayments – even small ones – can really add up over time.