Home Loans Australia :: Calculators
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Home Loans Australia Home Loan Repayment Calculator

Calculate home loan repayments with our Home Loan Repayment Calculator. View detailed amortization charts, compare loan terms, and plan your mortgage with confidence.

Calculator results are estimates only and not quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

Home Loan Details:

Remember to make allowance for stamp duty, rates, insurance or other costs to be included in the loan where applicable.
Enter whole numbers only please, no dots, commas etc.

If you have a deposit or equity in an existing property, include the amount here
Enter whole numbers only please, no dots, commas etc.

(if applicable)
Select the number of years over which you would repay the loan.

A longer Loan Term will mean lower monthly repayments but at a higher cost overall.


The options below are indicative of what lenders currently offer.

Years
Select an interest rate for the calculator simulation.
The range of rates listed below are representative of those currently available.

Your actual rate can only be confirmed after you apply.


% per Annum
calculate
Home Loan Repayment Calculator

Important!

Home Loan Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote, please CLICK HERE

Home Loan Amortisation Calculator

The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.

Home Loan Repayment CalculatorHome Loan Repayment Calculator

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Home Loans Articles

Top 10 Mistakes First-Time Home Buyers in Australia Should Avoid
Top 10 Mistakes First-Time Home Buyers in Australia Should Avoid
Embarking on the journey to buy your first home is both an exciting and significant milestone in Australia. However, the process is also complex, and the learning curve can be steep for first-time home buyers. Being thoroughly informed is key to navigating the housing market's intricacies and can help elude the common missteps that befall many novices. - read more
Simple Steps to Boost Your Home Deposit Savings
Simple Steps to Boost Your Home Deposit Savings
Welcome to our guide on simple steps to boost your home deposit savings! We’re thrilled to have you here as you embark on the exciting journey towards home ownership. Whether you're a first-time homebuyer or looking to upsize, saving for a home deposit is a crucial step. - read more
How to Leverage the First Home Owner Grant in Your Home Buying Journey
How to Leverage the First Home Owner Grant in Your Home Buying Journey
Welcome to the pathway of becoming a homeowner in Australia! If you're a first-time buyer, there's a good chance you've heard of something called the First Home Owner Grant (FHOG). It's a pivotal element in the home buying conversation, and for good reason. Navigating through real estate jargon and financial assistance programs can be confusing, but understanding the FHOG can significantly impact your purchasing power and overall experience in acquiring your dream home. - read more
Creating a Personalized Savings Plan for Your Home Deposit
Creating a Personalized Savings Plan for Your Home Deposit
Buying a home is one of the most significant financial commitments you will make in your lifetime. Without a solid savings plan, you may find it challenging to gather the necessary funds for a home deposit. This can delay your home-buying journey and add unnecessary stress to an already high-stakes process. - read more
Understanding Loan Calculators: A Guide For Australian Homebuyers
Understanding Loan Calculators: A Guide For Australian Homebuyers
Welcome to this essential guide designed for Australian homebuyers who aspire to navigate the complex world of property financing. Due to the significant financial commitment involved in purchasing a home, understanding the nuances of mortgage calculations is imperative. Loan calculators are indispensable tools that offer valuable insights into the feasibility of a home loan, tailored to your personal economic circumstances. - read more

Finance News

Pepper Money in Negotiations to Acquire Westpac's Mortgage Broking Portfolio
Pepper Money in Negotiations to Acquire Westpac's Mortgage Broking Portfolio
31 Oct 2025: Paige Estritori
In a significant development within Australia's financial sector, non-bank lender Pepper Money has entered preliminary discussions to acquire Westpac's mortgage broking portfolio. This move could have far-reaching implications for the home loan market, particularly for borrowers seeking competitive mortgage options. - read more
Australia's Inflation Accelerates in Q3 2025, Influencing Interest Rate Expectations
Australia's Inflation Accelerates in Q3 2025, Influencing Interest Rate Expectations
31 Oct 2025: Paige Estritori
Australia's inflation rate has seen a significant uptick in the third quarter of 2025, with consumer prices rising by 1.3%—the largest quarterly increase in two and a half years. This surge has pushed the annual Consumer Price Index (CPI) inflation to 3.2%, surpassing the Reserve Bank of Australia's (RBA) target range of 2-3%. - read more
RBA Weighs Additional Rate Cuts in Response to Inflation Trends
RBA Weighs Additional Rate Cuts in Response to Inflation Trends
23 Oct 2025: Paige Estritori
The Reserve Bank of Australia (RBA) is currently assessing the necessity for further interest rate reductions in light of ongoing inflationary pressures and a surge in consumer spending. RBA Governor Michele Bullock highlighted that rising costs in home construction and market services suggest that inflation may have exceeded expectations in the third quarter of 2025. - read more
Expanded First Home Guarantee Scheme Poised to Elevate Housing Demand
Expanded First Home Guarantee Scheme Poised to Elevate Housing Demand
23 Oct 2025: Paige Estritori
As of October 1, 2025, the Australian government's expanded First Home Guarantee scheme has come into effect, introducing significant changes designed to make homeownership more accessible for first-time buyers. Key modifications include the removal of income caps, increased property price limits, and the elimination of restrictions on the number of guarantees available. - read more
Investor Lending Hits Multi-Year Highs Driven by Rate Cuts and Rental Demand
Investor Lending Hits Multi-Year Highs Driven by Rate Cuts and Rental Demand
23 Oct 2025: Paige Estritori
Recent data indicates a significant uptick in property investor activity within the Australian housing market. The number of new investor loans has risen substantially over the past two years, with investors now accounting for 38% of all new loans written for property purchases in the three months leading up to June 2025. This equates to nearly 50,000 loans valued at approximately $33 billion. - read more

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"Mastering Home Loans: Navigating the Australian Mortgage Market"

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Knowledgebase
Return on Investment (ROI):
A measure used to evaluate the efficiency of an investment or compare the efficiency of several different investments.