Australian home-loan planning
Australian mortgage calculator
Estimate principal-and-interest home-loan repayments, optional extra repayments and a simplified offset-account scenario.
Offset accounts and extra repayments
An offset account can reduce the balance used to calculate interest while keeping cash accessible, but product rules vary. Extra repayments may reduce interest and the time it takes to repay the loan.
Enter a lender LMI quote if you have one. LMI is commonly relevant above 80% LVR, but its premium and any waiver depend on the lender and product. This is a planning estimate only and does not include redraw rules, rate changes or lender-specific offset terms.