Refinance hub
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Refinance queries usually start as a rate comparison, but approvals hinge on surplus, seasoning, valuations, cashback clawbacks and break costs — all before product fit.
Mortgage calculator
Mortgage calculator for Australian home loans
Model monthly principal & interest repayments on your home loan — the same core maths most people mean when they search “mortgage calculator”. Results are estimates only. When you want product fit, assessment rates, and fees checked, use the enquiry form below, contact us online, or call 0400 77 77 55.
Full calculator toolkit — refinance, extra repayments, offset illustration, stamp duty links, and more.
Mortgage repayment calculator
Estimate principal & interest (P&I) repayments for a standard amortising loan at a constant nominal rate. Switching to fortnightly or weekly uses the standard Australian lender approach of paying half (or a quarter) of the monthly figure each period — which genuinely shortens the loan and saves interest. The numbers below model that saving; they do not model offset, redraw, fees, or rate changes.
The amount you intend to borrow after deposit.
Nominal annual rate — not the comparison rate.
Your estimated repayment
$3,636 / month
- Loan term at this frequency
- 30 yrs
- Total repayments
- $1,308,949
- Total interest (estimate)
- $708,949
Modelled from the scheduled monthly repayment of $3,636. Real-world results vary with daily-accrued interest, offset and redraw behaviour, lender fees and rate changes — confirm against your loan contract.
Want this checked against lender policy and fees? Send a quick enquiry with the numbers you used here.
A summary of your loan
Side-by-side at the same loan, rate and starting term — the saving comes purely from paying more often.
| Repayment plan | Repayment | Total interest | Total repayments | Loan term |
|---|---|---|---|---|
| Monthly repaymentsselected | $3,636 / month | $708,949 | $1,308,949 | 30 yrs |
| Fortnightly repayments | $1,818 / fortnight | $554,848 | $1,154,848 | 24 yrs 6 mo |
| Weekly repayments | $909 / week | $554,172 | $1,154,172 | 24 yrs 5 mo |
Modelling assumption: fortnightly repayment = monthly ÷ 2, weekly repayment = monthly ÷ 4. Both result in roughly 13 monthly-equivalent repayments per year instead of 12 — which is where the term reduction and interest saving come from.
How your loan changes over time
The charts below use the scheduled monthly repayment for the balance and principal-vs-interest view. Move your pointer over the curves to see estimated balance by month, and how principal paid and interest paid build up over the life of the loan.
Loan balance over time
Move your pointer along the line to see the estimated balance at each month.
Tap or drag on the chart to see figures for a particular point in time.
Cumulative principal vs interest paid
Lower band: principal repaid. Upper band: interest paid. Total height is cumulative cash out.
Move across the chart to compare how much principal and interest you’ve paid at any point.
First repayment split
Early repayments skew to interest; principal share grows over time.
Interest $3,050 Principal $586
General information only. These calculators provide estimates based on the numbers you enter. They do not constitute credit advice, take your full situation into account, or replace a lender's assessment. Fees, eligibility, and actual offers vary. Speak with a broker for guidance tailored to you.
Want these home loan numbers checked against real lenders?
Estimates help orientation — product rules, assessment rates, fees, and offsets change what a home loan actually looks like at submission. As your mortgage broker, Bishnu Adhikari can stress-test what you modelled. Send a short note below, use the full contact form, or call 0400 77 77 55. You reach Bishnu Adhikari, not a queue.
Prefer WhatsApp? Message Azure Home Loans · Full contact form · 0400 77 77 55
After the numbers
Bundle reading + policy context before you lodge
First home buyer hub
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First purchasers juggle FHBG spots, FHSS releases, parental equity, valuation buffers and genuine savings seasoning — spreadsheets rarely capture policy nuance.
Self-employed borrowers hub
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Add-backs, trust distributions versus personal tax assessments, seasoning of business income — self-employed underwriting is seldom one PDF and done.
Prefer the full index? Resources home
More tools on one page
Compare refinance savings, stress-test extra repayments, IO vs P&I, offsets, loan terms, and blended split rates — all alongside the same enquiry path when you are ready to talk to Bishnu Adhikari.
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