Property Loan Calculator

All calculations run in your browser. No data is sent or stored.

For illustrative purposes only. Not financial, tax, or legal advice. Estimates may not match your lender’s terms - confirm figures with a qualified professional before you commit.

Loan details

$
$
%
yrs
Optional
%
%
yrs
After fixed term, repayments revert to the variable interest rate above.

Results

Estimated monthly payment —
Principal & interest —
Mortgage Protection Insurance —
Property price —
Deposit —
Initial interest rate —
Standard variable rate —
Mortgage Term —
Loan amount —
Total payment over mortgage term —
Total interest paid —

Amortisation

Remaining balance Cumulative principal Cumulative interest Optimist

Loan schedule planner

Review repayment details by month or year and jump to any point in the schedule.

Month Payment Principal repaid Interest accrued Remaining balance
Adjust your loan details to generate the schedule.

Overpayments

Adjust overpayments to see the impact on the chart.

%
$
Percent and amount are linked. % is based on the monthly principal & interest payment.
$
yrs

Offset account

Model how cash held in an offset account changes interest, term, and repayment flexibility.

$
$
%
Applied to the monthly savings amount each year.
$
yrs
$5,000 reserved
yrs

Offset visualisation

Balance (no offset) Balance (with offset) Interest (with offset) Offset cash balance

Assumptions: illustrative model only; lenders can calculate offset interest differently (often daily).

Deposit planner

Plan your path to the deposit target for both scenarios.

$

Saving Timeline

36 Months