Mortgages Calculators
Model repayments, offset savings, side-by-side home loans and monthly versus fortnightly payment schedules using the assumptions you enter.
Mortgage results can change sharply when the interest rate, loan term, fees or repayment timing changes. Keep the amount, term and frequency consistent when comparing products, test higher-rate scenarios, and confirm lender-specific calculation and offset rules before acting.
How to use these calculators well
- Use the complete amount financed and the actual product rate and term.
- Compare total interest and fees, not only the scheduled repayment.
- Test higher rates and confirm lender rules for offsets, redraw and extra payments.
Mortgage Calculator
Estimate monthly principal-and-interest home-loan repayments and total interest from the property price, deposit, rate and term you enter.
Open calculatorMortgage Offset Calculator
Estimate how an Australian mortgage offset account can reduce home-loan interest and shorten the loan term. Compare results with and without an offset.
Open calculatorMortgage Comparison Calculator
Compare three Australian home loans side by side, factoring in introductory rates, fees and extra repayments to estimate interest and fee costs.
Open calculatorFortnightly vs Monthly Mortgage Calculator
See how switching Australian home loan repayments from monthly to genuine fortnightly instalments could shorten your loan term and cut total interest paid.
Open calculatorRelated Australian guides
Go beyond the result and review the assumptions, source material and decision checks that matter for this category.
3 minute guide
How Australian mortgage repayments work
Understand principal and interest repayments, loan terms, rate changes and the assumptions behind an Australian mortgage estimate.
2 minute guide
Mortgage offset account versus redraw
Compare how mortgage offset and redraw arrangements reduce interest, preserve access to cash and differ in fees, access and tax consequences.