Easily work out what your home loan repayments might be using our handy calculator. All we need from you is some basic information about the property and loan amount, and we'll tell you what your potential monthly, fortnightly, or weekly repayments on your home loan might be. You can even experiment with different options to understand how factors like interest rates or loan terms could affect your loan repayments.
How to use our home loan repayment calculator
Input the property value and loan amount (which will be the value of the property minus your deposit), choose your preferred product, and hey presto! We handle the calculations so you don't have to.
If you'd like to see how you could pay off your home loan faster, make the most of our 'extra repayments' option. Just enter an amount – either to pay regularly or as a lump sum – and see how much of a difference it could make!
Other handy home loan calculators
Maths not your thing? Not a problem – we've got a range of handy calculators to make things simple.
Home loan borrowing power calculator
Home loan comparison calculator
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Got a question about home loan repayments?
Consider choosing a home loan that offers an offset account to help you pay your loan off faster. An offset account can help reduce the amount of interest you pay on your loan, so more of your repayments go towards the principle.
You can also try to make extra payments, either as a lump sum or regular payments. Repaying weekly or fortnightly instead of monthly can also help. With more regular payments, over the course of a year, you'll end up paying a little extra to your loan - and every little bit counts!
By selecting the ‘extra repayments’ tab on our home loan repayment calculator, you can calculate the impact that making extra payments would have on your home loan.
If you pay more than the minimum monthly repayment to your home loan each month, you may be able to pay your loan off faster and save on interest. The actual savings will depend on factors such as the frequency and amount of your extra payments.
Our home loan repayment calculator lets you see how paying extra to your home loan could reduce the amount of interest you’ll pay over the life of your loan. And as they say, seeing is believing.
For variable rate home loans, there is no penalty or ‘break cost’ fee when you pay your loan off early. There may be a break cost fee for fixed rate loans and you’ll find the details on your loan contract.
In addition, there’s an industry-standard discharge fee that applies to all home loans.
View our home loan fees to learn more.
If you have a home loan with another bank or lender, it's easy to switch to BCU Bank.
Our lending specialists will work with you to help you understand the best loan, or mix of loans, for your personal needs and guide you through the application process.
If you'd like to speak to a home loan specialist, please call us on 1300 228 228 or book an appointment online.
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
The results from this calculator should be used as an indication only. Figures provided are for illustrative purposes only and are based on the information provided. Results will vary depending on the applicant’s residential location. The calculations do not take into account any product features or fees and charges that may be charged to your loan or fees such as Lenders Mortgage Insurance, which if applicable will add to the cost of your loan and repayments. Results do not represent a quote or pre qualification for a loan. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.
Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Calculator by Widget Works