Home loan
repayment calculator.

Enter a loan amount, annual interest rate and term, then choose monthly, fortnightly or weekly repayments. The estimate assumes principal-and-interest payments at a constant rate, with no fees, offset balance or extra repayments.

The loan is amortised over the selected number of payments. The annual rate is divided by the number of payments per year. Each frequency is calculated independently; weekly and fortnightly amounts are not simply a monthly payment divided.

This estimate holds your chosen rate constant. A higher rate usually increases repayments; a longer term can lower each payment while increasing total interest. Actual lender calculations and payment dates may differ.

Loan-to-value ratio compares the loan with the property value accepted by the lender. For example, a $640,000 loan against an $800,000 property has an 80% LVR. This repayment tool does not assess a property value.

Lenders mortgage insurance protects the lender, and may be required at a higher LVR. It is not included in this repayment estimate. You can enter a confirmed LMI quote in the upfront-cost calculator to compare paying it in cash or adding it to the loan.

Yes. All Weme Finance services are free, including your first and later consultations, application support and lifetime loan aftercare. Government, lender and third-party costs are separate.