Mortgage repayment calculator

Use Finder's mortgage repayment calculator to work out your monthly amount, and compare the latest interest rates to avoid paying too much.

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Keen to know how to calculate monthly repayments on your home loan? With our mortgage repayment calculator you can quickly calculate how much your mortgage will cost you each week, fortnight or month. Just enter the following details:

  • Loan term: This is the length of the home loan (put 30 years if you're not sure yet).
  • Loan amount: This is the amount you wish to borrow or refinance (again, just put down an estimate if you're not sure yet).
  • Interest rate: This depends on your home loan, and if you're not sure you can find a rate in the table in the second tab.
  • Payment frequency: See how your repayments look monthly, fortnightly or weekly.

Calculate your home loan repayments now

Just put some details into the calculator below and you will get an estimate of your home loan repayments.

Compare home loan rates

$
years
Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

loans.com.au Green Home Loan P&IHome≥ 10% Deposit

loans.com.au Green Home Loan
2.08%
2.36%
  • App: $0
  • Ongoing: $0 p.a.
$561.57
Buying an energy-efficient home to live in? Get a discounted rate and borrow up to 90%.

HSBC Fixed Rate Home Loan Package P&IHome 2Y Fixed≥ 20% Deposit

HSBC Fixed Rate Home Loan Package
1.88%
2.86%
  • App: $0
  • Ongoing: $390 p.a.
$546.6
$3,288 refinance cashback offer
Lock in a low fixed rate for 2 years and buy your home with a 20% deposit. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

Westpac Fixed Option Home Loan Premier Advantage Package P&IHome 2Y Fixed≥ 5% Deposit

Westpac Fixed Option Home Loan Premier Advantage Package
1.99%
3.48%
  • App: $0
  • Ongoing: $395 p.a.
$554.81
$3,000 refinance cashback
Lock in a low fixed rate for 2 years that allows you to make up to $30,000 in extra repayments and buy your home with a 5% deposit. $3,000 cashback for eligible refinancers. Apply by 31 August 2021. Terms and conditions apply.

St.George Fixed Rate Advantage Package P&IHome 2Y Fixed≥ 20% Deposit

St.George Fixed Rate Advantage Package
1.94%
3.40%
  • App: $0
  • Ongoing: $395 p.a.
$551.07
$3,000 refinance cashback
Borrowers with 20% deposits or equity can get this competitive fixed rate loan. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Other terms, conditions and exclusions apply). Refinancers Only.

loans.com.au Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit

loans.com.au Smart Booster Discount Variable Home Loan
1.85%
2.21%
  • App: $0
  • Ongoing: $0 p.a.
$544.38
Get a low discounted variable rate loan. Requires a 30% deposit. Get your loan processed fast and settle within 30 days.

Athena Variable Home Loan P&IHome≥ 40% Deposit

Athena Variable Home  Loan
1.99%
1.99%
  • App: $0
  • Ongoing: $0 p.a.
$554.81
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.

Nano Variable Home Loans P&IHome≥ 25% Deposit

Nano Variable Home Loans
1.99%
1.99%
  • App: $0
  • Ongoing: $0 p.a.
$554.81
Refinancers only. Switch to this competitive variable rate with zero fees. Requires a 25% deposit.

Well Home Loans Equity Plus P&IHome≥ 40% Deposit

Well Home Loans Equity Plus
1.87%
1.90%
  • App: $250
  • Ongoing: $0 p.a.
$545.86
Borrowers with 40% deposits or equity can get this low variable rate loan. 100% offset account included.

Suncorp Home Package Plus Fixed P&IHome 2Y Fixed≥ 20% Deposit

Suncorp Home Package Plus Fixed
1.89%
2.85%
  • App: $0
  • Ongoing: $0 p.a.
$547.35
$3,000 refinance cash bonus
Lock in a low fixed rate for 2 years. Available with a 20% deposit. Eligible new borrowers can get the annual package fee reimbursed for the life of the loan. $3,000 refinance cash bonus for eligible borrowers. Other terms, conditions and eligibility criteria apply.

Homestar Star Gold P&IHome≥ 40% Deposit

Homestar Star Gold
1.79%
1.84%
  • App: $395
  • Ongoing: $0 p.a.
$539.94
Refinancers and buyers with 40% deposits can get this very competitive variable rate. It even comes with a 100% offset account.

Virgin Money Reward Me Fixed Rate Home Loan P&IHome 2Y Fixed≥ 20% Deposit

Virgin Money Reward Me Fixed Rate Home Loan
1.98%
2.66%
  • App: $300
  • Ongoing: $10 per month
$554.06
$3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 29 August 2021 and settle by 26 November 2021.

Greater Bank Great Rate Fixed Home Loan P&IHome 1Y Fixed≥ -10% Deposit

Greater Bank Great Rate Fixed Home Loan
1.69%
3.49%
  • App: $0
  • Ongoing: $0 p.a.
$532.6
Get one of the lowest rates on the market with this fixed rate mortgage. NSW, QLD and ACT residents only.

Australian Unity Health, Wealth and Happiness Package Fixed Home Loan P&IHome 3Y Fixed≥ 30% Deposit

Australian Unity Health, Wealth and Happiness Package Fixed Home Loan
1.99%
2.72%
  • App: $0
  • Ongoing: $399 p.a.
$554.81
Home buyers can lock in a low rate for 3 years. Requires a 30% deposit.

Well Home Loans Balanced Fixed Home Loan P&IHome 1Y Fixed≥ 10% Deposit

Well Home Loans Balanced Fixed Home Loan
1.84%
2.01%
  • App: $250
  • Ongoing: $0 p.a.
$543.64
Owner occupiers can get a sharp fixed rate for the first year, plus an offset account. Available with a 10% deposit.

Homestar Star Classic Owner Occupied Fixed Special P&IHome 2Y Fixed≥ 20% Deposit

Homestar Star Classic Owner Occupied Fixed Special
1.79%
2.16%
  • App: $0
  • Ongoing: $395 p.a.
$539.94
Fix to a low rate for two years. Ongoing fee only applies while the rate is fixed. Requires a 20% deposit.

HSBC Home Value Loan P&IHome≥ 30% Deposit

HSBC Home Value Loan
2.19%
2.20%
  • App: $0
  • Ongoing: $0 p.a.
$569.91
$3,288 refinance cashback offer
This competitive variable rate loan is available for borrowers with 30% deposits. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

IMB Fixed Rate Home Loan P&IHome 3Y Fixed≥ 5% Deposit

IMB Fixed Rate Home Loan
1.97%
2.81%
  • App: $449
  • Ongoing: $6 per month
$553.31
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online. Available with a 10% deposit.

UBank UHomeLoan Fixed P&IHome 3Y Fixed≥ 20% Deposit

UBank UHomeLoan Fixed
1.95%
2.27%
  • App: $0
  • Ongoing: $0 p.a.
$551.82
A competitive fixed rate loan with no ongoing fees. Requires a 20% deposit.

Westpac Flexi First Option Home Loan P&IHome≥ 5% Deposit

Westpac Flexi First Option Home Loan
2.29%
2.72%
  • App: $0
  • Ongoing: $0 per month
$577.55
$3,000 refinance cashback
A flexible and competitive variable rate loan. Available to owner occupiers on principal and interest loans. $3,000 cashback for eligible refinancers. Apply by 31 August 2021. Terms and conditions apply.

St.George Basic Home Loan P&IHome≥ 20% Deposit

St.George Basic Home Loan
2.49%
2.51%
  • App: $0
  • Ongoing: $0 p.a.
$593.01
$3,000 refinance cashback
Get this low-rate variable loan with a 20% deposit and pay $0 application fee. Borrow from $150k (or $250k to be eligible for the cashback offer). Terms, conditions & exclusions apply. Refinancers Only.

Nano Variable Home Loans P&IInvestment≥ 25% Deposit

Nano Variable Home Loans
2.29%
2.29%
  • App: $0
  • Ongoing: $0 p.a.
$577.55
Refinancers only. Investors can refinance this no-fee variable rate loan. You will need a 25% deposit. Fast online approval.

homeloans.com.au Low Rate Home Loan with Offset P&IHome≥ 40% Deposit

homeloans.com.au Low Rate Home Loan with Offset
2.14%
2.16%
  • App: $0
  • Ongoing: $0 p.a.
$566.11
A competitive rate with no application or ongoing fees. This loan is not available for construction.

Bank of Melbourne Advantage Package Fixed Home Loan P&IHome 2Y Fixed≥ 20% Deposit

Bank of Melbourne Advantage Package Fixed Home Loan
1.94%
3.40%
  • App: $0
  • Ongoing: $395 p.a.
$551.07
$3,000 refinance cashback
Get a competitive home loan rate for two years. Requires at least a 20% deposit. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Other terms, conditions and exclusions apply). Refinancers Only.

Macquarie Bank Basic Home Loan P&IHome≥ 40% Deposit

Macquarie Bank Basic Home Loan
2.29%
2.29%
  • App: $0
  • Ongoing: $0 p.a.
$577.55
Apply for the Macquarie Bank Basic Home Loan - LVR ≤ 60% (Owner Occupier, P&I) and get a low variable interest rate, plus no application and ongoing fees. Requires a 40% deposit.

UBank UHomeLoan Fixed P&IHome 1Y Fixed≥ 20% Deposit

UBank UHomeLoan Fixed
1.79%
2.32%
  • App: $0
  • Ongoing: $0 p.a.
$539.94
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.

86 400 Own Home Loan Fixed P&IHome 1Y Fixed≥ 20% Deposit

86 400 Own Home Loan Fixed
1.84%
2.63%
  • App: $250
  • Ongoing: $250 p.a.
$543.64
$2,000 cashback offer
$2,000 cashback when borrowing $250,000 or more. Fix to this very competitive rate for one year. This loan requires a 20% deposit.

Greater Bank Great Rate Home Loan P&I≥ 40% Deposit

Greater Bank Great Rate Home Loan
2.39%
2.40%
  • App: $0
  • Ongoing: $0 p.a.
$585.25
Discounted special offer. This competitive variable loan requires a 40% deposit.

Australian Unity Health, Wealth and Happiness Package Home Loan P&IHome≥ 30% Deposit

Australian Unity Health, Wealth and Happiness Package Home Loan
2.39%
2.82%
  • App: $0
  • Ongoing: $399 p.a.
$585.25
A flexible, variable rate package loan with a 100% offset account. Requires a 30% deposit.

loans.com.au Green Home Loan IOHome≥ 10% Deposit

loans.com.au Green Home Loan
2.08%
2.39%
  • App: $0
  • Ongoing: $0 p.a.
$561.57
Construction Loan: A competitive variable rate loan available for the construction of an energy-efficient home.

Well Home Loans Balanced Fixed Home Loan P&IHome 2Y Fixed≥ 10% Deposit

Well Home Loans Balanced Fixed Home Loan
1.95%
2.02%
  • App: $250
  • Ongoing: $0 p.a.
$551.82
A low fixed mortgage with an optional 100% offset account. Not available for construction purposes.

Australian Unity Kickstarter Home Loan P&IHome≥ 30% Deposit

Australian Unity Kickstarter Home Loan
2.39%
2.42%
  • App: $0
  • Ongoing: $0 p.a.
$585.25
A low-fee variable rate home loan with principal-and-interest repayments. Requires a 30% deposit.

loans.com.au Green Home Loan P&IInvestment≥ 10% Deposit

loans.com.au Green Home Loan
2.34%
2.63%
  • App: $0
  • Ongoing: $0 p.a.
$581.39
Investors buying an energy-efficient property can get a discounted rate on this green investment loan.

Australian Unity Kickstarter Home Loan P&IHome≥ 20% Deposit

Australian Unity Kickstarter Home Loan
2.49%
2.52%
  • App: $0
  • Ongoing: $0 p.a.
$593.01
This variable rate home loan has minimal fees and requires a 20% deposit.

loans.com.au Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit

loans.com.au Smart Booster Discount Variable Home Loan
1.99%
2.47%
  • App: $0
  • Ongoing: $0 p.a.
$554.81
Home buyers can get a very low discounted variable rate for the first year. Requires a 20% deposit. Add an offset account for an additional 0.10% on your interest rate. Get your loan processed fast and settle within 30 days.

St.George Fixed Rate Advantage Package P&IInvestment 2Y Fixed≥ 20% Deposit

St.George Fixed Rate Advantage Package
2.24%
3.89%
  • App: $0
  • Ongoing: $395 p.a.
$573.72
$3,000 refinance cashback.
Investors can lock in a competitive rate for two years with this package loan. You will need at least a 20% deposit. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Other terms, conditions and exclusions apply). Refinancers Only.

Well Home Loans Balanced Variable P&IHome≥ 20% Deposit

Well Home Loans Balanced Variable
1.99%
2.02%
  • App: $250
  • Ongoing: $0 p.a.
$554.81
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee.

loans.com.au Green Home Loan IOInvestment≥ 10% Deposit

loans.com.au Green Home Loan
2.59%
2.88%
  • App: $0
  • Ongoing: $0 p.a.
$600.83
An interest-only investment loan for the purchase of an energy-efficient property. Available with a 10% deposit.

Macquarie Bank Basic Fixed Home Loan P&IHome 3Y Fixed≥ 30% Deposit

Macquarie Bank Basic Fixed Home Loan
2.09%
2.28%
  • App: $0
  • Ongoing: $0 p.a.
$562.33
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit. Refinancers can switch with a convenient digital application.

Newcastle Permanent Building Society Premium Plus Package Fixed Rate P&IHome 3Y Fixed≥ 20% Deposit

Newcastle Permanent Building Society  Premium Plus Package Fixed Rate
2.09%
3.58%
  • App: $0
  • Ongoing: $395 p.a.
$562.33
$2,000 cashback for eligible refinancers borrowing $250,000 or more.

loans.com.au Green Home Loan IOInvestment≥ 10% Deposit

loans.com.au Green Home Loan
2.59%
2.90%
  • App: $0
  • Ongoing: $0 p.a.
$600.83
Construction Loan: Investors building an energy-efficient property can get a discounted rate on this green investment loan with interest-only repayments.

ME Flexible Home Loan Fixed with Members Package P&IHome 2Y Fixed≥ 20% Deposit

ME Flexible Home Loan Fixed with Members Package
1.89%
3.17%
  • App: $0
  • Ongoing: $395 p.a.
$547.35
$3,000 cashback when refinancing a loan of $250,000 or more. Other conditions apply. Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.

86 400 Neat Variable Home Loan P&IHome≥ 40% Deposit

86 400 Neat Variable Home Loan
2.19%
2.20%
  • App: $0
  • Ongoing: $0 p.a.
$569.91
Get flexibility and the option to make unlimited extra repayments with this variable rate loan.

HSBC Home Value Loan P&IInvestment≥ 30% Deposit

HSBC Home Value Loan
2.44%
2.45%
  • App: $0
  • Ongoing: $0 p.a.
$589.12
$3,288 refinance cashback offer
This variable rate loan is available for property investors with 30% deposits. This loan has very few fees. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

Well Home Loans Balanced Fixed Home Loan P&IHome 3Y Fixed≥ 10% Deposit

Well Home Loans Balanced Fixed Home Loan
2.14%
2.06%
  • App: $250
  • Ongoing: $0 p.a.
$566.11
A low 3 year fixed rate for home buyers. Add a 100% offset account with a $10 monthly fee. Not available for construction purposes.

Nano Variable Home Loans IOHome≥ 25% Deposit

Nano Variable Home Loans
2.49%
2.17%
  • App: $0
  • Ongoing: $0 p.a.
$593.01
Refinancers only. An interest-only loan for refinancing owner-occupiers with 25% deposits or equity. This loan has no fees.

Athena Variable Home Loan P&IHome≥ 30% Deposit

Athena Variable Home  Loan
2.09%
2.02%
  • App: $0
  • Ongoing: $0 p.a.
$562.33
A low variable rate for owner occupiers with 30% deposits. No upfront or ongoing fees.

Bank of Melbourne Advantage Package Fixed Home Loan P&IInvestment 2Y Fixed≥ 20% Deposit

Bank of Melbourne Advantage Package Fixed Home Loan
2.24%
3.91%
  • App: $0
  • Ongoing: $395 p.a.
$573.72
$3,000 refinance cashback.
Lock in a low rate for two years with this competitive investment package loan. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Other terms, conditions and exclusions apply). Refinancers Only.

Well Home Loans Balanced Fixed Home Loan P&IInvestment 3Y Fixed≥ 10% Deposit

Well Home Loans Balanced Fixed Home Loan
2.34%
2.36%
  • App: $250
  • Ongoing: $0 p.a.
$581.39
A competitive 3 year investor rate with principal and interest repayments. Optional offset account with a $10 monthly fee. Not available for construction purposes.

Greater Bank Great Rate Fixed Home Loan P&IHome 2Y Fixed≥ 20% Deposit

Greater Bank Great Rate Fixed Home Loan
1.79%
3.35%
  • App: $0
  • Ongoing: $0 p.a.
$539.94
A discounted 2 years fixed rate for home buyers. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.

UBank UHomeLoan Variable Rate P&IHome≥ 20% Deposit

UBank UHomeLoan Variable Rate
2.34%
2.34%
  • App: $0
  • Ongoing: $0 p.a.
$581.39
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.

Athena Variable Home Loan IOHome≥ 30% Deposit

Athena Variable Home  Loan
2.84%
2.32%
  • App: $0
  • Ongoing: $0 p.a.
$620.63
A variable loan with interest-only repayments for owner-occupiers with 30% deposits. This loan has no fees.

Nano Variable Home Loans IOInvestment≥ 25% Deposit

Nano Variable Home Loans
2.59%
2.40%
  • App: $0
  • Ongoing: $0 p.a.
$600.83
Refinancers only. This variable investment loan has interest-only repayments and is for refinancers only. Fast online approval. Requires a 25% deposit.

Suncorp Home Package Plus Fixed P&IInvestment 3Y Fixed≥ 20% Deposit

Suncorp Home Package Plus Fixed
2.28%
3.15%
  • App: $0
  • Ongoing: $0 p.a.
$576.78
$3,000 refinance cash bonus
Borrowers with 20% deposits can lock in a low fixed rate loan for three years. Eligible new borrowers can get the annual package fee reimbursed for the life of the loan. $3,000 refinance cash bonus for eligible borrowers. Other terms, conditions and eligibility criteria apply.

IMB Fixed Rate Home Loan P&IHome 1Y Fixed≥ 5% Deposit

IMB Fixed Rate Home Loan
2.19%
2.98%
  • App: $449
  • Ongoing: $6 per month
$569.91
Lock in a rate for one year and get the ability to make additional repayments for 12 months without penalty. Face-to-face consultations available for NSW and ACT customers. Available with a 5% deposit.

homeloans.com.au Low Rate Home Loan with Offset IOInvestment≥ 20% Deposit

homeloans.com.au Low Rate Home Loan with Offset
2.69%
2.52%
  • App: $0
  • Ongoing: $0 p.a.
$608.71
A competitive rate with no application or ongoing fee. This loan is not available for construction.

Great Southern Bank Basic Variable P&IHome≥ 20% Deposit

Great Southern Bank Basic Variable
2.49%
2.54%
  • App: $600
  • Ongoing: $0 p.a.
$593.01
A basic variable rate loan with minimal fees and a redraw facility.

Suncorp Back to Basics Home Loan P&IHome≥ 20% Deposit

Suncorp Back to Basics Home Loan
2.44%
2.45%
  • App: $0
  • Ongoing: $0 p.a.
$589.12
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.

Bank of Melbourne Basic Home Loan P&IHome≥ 20% Deposit

Bank of Melbourne Basic Home Loan
2.49%
2.51%
  • App: $0
  • Ongoing: $0 p.a.
$593.01
$3,000 refinance cashback
A competitive variable rate loan. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Other terms, conditions and exclusions apply). Refinancers Only.

homeloans.com.au Low Rate Home Loan with Offset P&IHome≥ 20% Deposit

homeloans.com.au Low Rate Home Loan with Offset
2.24%
2.26%
  • App: $0
  • Ongoing: $0 p.a.
$573.72
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments. This loan is not available for construction.

Newcastle Permanent Building Society Premium Plus Package Fixed Rate P&IHome 1Y Fixed≥ 5% Deposit

Newcastle Permanent Building Society  Premium Plus Package Fixed Rate
2.19%
3.83%