travel_explore

Select Country

Loan Settings

tune

Property Price iTotal purchase price or current market value.

$

Deposit iYour upfront cash contribution. 20%+ avoids LMI.

$

Loan Amount iAuto-calculated: Price minus Deposit.

$

Start Date iWhen your loan begins.

Term (Yrs) iLoan duration. Shorter = less interest.

Interest Rate iAnnual rate. Auto-set from lender selection.

%

Repay Type iP&I reduces balance. IO keeps it flat.

Frequency

Rate Type

Application Fee iOne-off fee charged by the lender to set up your loan. Added to total cost.

account_balance

Lender

Margin

+1.69%

Your Rate

6.04%

monitoring

Results

Balance Chart

Amortisation

payments

Extra Repayments

iPayments above your minimum. Recurring: regular extras. Annual: once yearly. Lump Sum: one-time. Each has a date window.

savings

Offset Account

iMoney in your offset account reduces the balance interest is charged on. e.g. $50k offset on a $500k loan = interest on $450k only.

Model your changing offset balance over time.

event_repeat

Schedule Changes

iModel mid-loan changes: switch P&I/IO, change frequency, or toggle fixed/variable rates.

Record changes during the loan.

save

Save & Load

show_chart

Rate History

Interest Saved

—

Calculate to see impact

Time Saved

—

Total Extra Paid

—

monitoring

Results

Amortisation Schedule

Full month-by-month breakdown of your loan. Click Calculate on the Dashboard first.