Calculate.

Four tools. Purchase costs covers every state and applies the first home and owner-occupier concessions where they’re due, and exports as a spreadsheet for your conveyancer. All of it is an estimate, not a quote.

Estimate repayments based on loan amount, interest rate and term. Results are indicative only and don’t include lender fees or LMI.

Loan amount ($)

Term (years)

Repayment type

Principal & interest rate (%)

Estimate stamp duty and common purchase costs. Your conveyancer will confirm exact figures for your contract and settlement.

For.

I’m looking for.

In.

For a property worth.

Conveyancer / solicitor fee.

Editable — default estimate only.

Building & pest inspection.

A building inspection checks the structure and condition of the property, and a pest inspection checks for termites and related issues. Costs vary by provider and property type.

Compare an indicative “stay vs switch” view. This is a simple estimate and does not include lender/exit costs, break costs, discharge fees, or LMI.

Current loan balance ($)

Current rate (%)

New rate (%)

Remaining term (years)

Current loan fee

New loan fee

See how much interest and time you could save by making extra repayments, keeping money in an offset account, or both. For principal & interest loans.

Loan amount ($)

Principal & interest rate (%)

Term (years)

Extra loan repayment ($)

Paid into the loan on top of your minimum repayment. Enter $0 if you don’t plan to make extra repayments.

Starting offset balance ($)

The amount in your offset account when the loan starts.

Regular offset deposit ($)

Paid into your offset account, not the loan. The money stays yours to use, and every dollar in the offset reduces the balance you pay interest on.

Interest saved.

Compared with making only the minimum repayment with no offset.

Time saved.

0 months

Compared with making only the minimum repayment with no offset.

Loan paid off in.

0 months

With your extra repayments and offset.

Minimum monthly repayment (principal & interest).

Based on your loan amount, rate and term. This stays the same while you make extra repayments.

Total interest (minimum repayments only).

Interest over the life of the loan with no extra repayments and no offset.

Total interest (with extra repayments & offset).

Interest over the life of the loan with your extra repayments and offset.

Extra repayments on their own.

Interest saved with your extra repayments and no offset.

Offset on its own.

Interest saved with your offset and no extra repayments.

Your offset covers your loan after.

0 months

From this point your offset balance is equal to or more than your loan balance, so no further interest is charged. You could use your offset funds to pay out the loan at this point.

Interest is calculated daily on your loan balance less your offset balance and charged monthly, using a 365-day year. The minimum repayment is paid monthly and stays the same for the life of the loan. Extra repayments and offset deposits start one week, fortnight or month after the loan starts and continue until the loan is repaid. Assumes a 100% offset account, a rate that does not change, no withdrawals from the offset or redraw, and no fees. The combined saving can differ from adding the two separate savings together. This calculator is for illustrative purposes and does not constitute advice or a guarantee of a loan approval.