Mortgage Repayment Calculator
Estimate monthly repayments by loan amount, term, and interest rate.
Split Loan Calculator
Split your home loan between a fixed-rate portion (predictable repayments) and a variable-rate portion (flexibility, redraw / extra repayments). See the combined repayment and per-portion breakdown.
Combined monthly repayment
$3,878
Total repaid
$1,396,289
Total interest
$756,289
Breakdown by portion
| Portion | Principal | Rate | Monthly repayment | Total interest |
|---|---|---|---|---|
| Fixed | $320,000 | 5.95% | $1,908 | $366,983 |
| Variable | $320,000 | 6.25% | $1,970 | $389,306 |
About this calculator
Each portion is amortised independently as a standard principal-and-interest loan over the same term. The fixed rate is held constant for the life of the loan in the model — in practice, fixed rates revert to a variable rate at the end of the fixed period. Doesn't account for: lender fees, LMI, redraw, offset, or rate changes on the variable portion. Talk to a licensed mortgage broker before relying on a figure.