Mortgage Repayment Calculator
Estimate monthly repayments by loan amount, term, and interest rate.
Lump Sum Repayment Calculator
Apply a one-off extra repayment to your loan and see the interest and time saved.
Interest saved
$120,090
And 2 years 6 months earlier payoff (30 fewer payments)
Original interest
$778,612
With lump sum
$658,522
Monthly repayment
$3,941
New payments total
330
About this calculator
Assumes the lump sum is applied at the start of the chosen year, the contracted repayment continues unchanged, and the interest rate is constant. Some loans cap or charge fees on extra repayments (especially fixed-rate periods) — check your loan's terms before paying down. Talk to a licensed mortgage broker for a personalised plan.