Home Loan Repayment Calculator

Our repayment calcultor can help you calculate the estimated monthly repayments of any mortgage – simply move the slider to the total mortgage amount, home (or other) loan interest rate, the term, and any extra repayments you’d like to consider. Each point on the returned graph represents about five years.

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This calculator is accurate at the date of use and may not include rate and fee changes made after this date. The calculated results are based on information you have provided in the calculator and are to be used as a guide only. The interest rates may not reflect the true interest rates and the formula used for the purpose of calculating estimated home loan repayments is based on the assumption that interest rates remain constant for the chosen loan term. The output of the calculator does not constitute a quote, pre-qualification, approval for credit or an offer for credit. Your interest rate, repayments and interest payable may differ once a full application is completed and all details are assessed.

Have Questions?

We’re always here to help! Check out our full list of FAQs or get in touch with our team.

How are home loan repayments calculated?

Home loan repayments are typically calculated daily and paid monthly, based on the interest rate for the chosen term for the interest portion of your repayment. For your principal repayment, your initial borrowing rate is divided by the months or fortnights in your loan term. These two amounts are then added and repayed on your chosen schedule. Bluestone’s repayment calculator is only a guide, particularly because we assume your interest rate will remain fixed through the whole term of the mortgage, which is often not the case in Australia.

What other tools do you have?

We have a range of resources to help you understand your mortgages options in our insights section. We’re also working on a few more useful calculators for you in the background.

Does your repayment calculator consider any impact from an offest account? What about lump sum repayments?

At the moment, no, our calculator does not consider the impact of an offset account on interest accrued. So if you have an offset, assume you’ll be a little bit quicker to pay off your mortgage than the projections we share in the graph. For accurate repayment insights that consider strategies like paying lump sums and utilising an offset account, we recommend speaking to your broker or seeking professional financial advice.